Zipping: the alternative to renting.

As I'm driving I recently noticed a few cars with "www.zipcar.com" on the bumper.  I finally decided to look up what zipcar was already having an idea after I heard about a community car borrowing project in Vermont.  It seems like a great idea, especially for city dwellers.  Need a car for the weekend?  Done!  I ventured onto the zipcar website and found that in 4 steps I could borrow a car.  It's not yet in Albany, but I see potential.  First, join.  Second, reserve.  Third, unlock.  Fourth, drive.  Seems easy enough.  I do have some questions about insurance because I always tend to think of the worst case scenario.  What if I get in a car accident and it's completely my fault?  Who pays for everything?  Do I need my own insurance?  According to the website, insurance, gas and mileage are all included.  I looked at plans based in Syracuse, NY since they are not yet in Albany, NY.  To sign up it would cost $75.  To drive it would cost $65/day, $9/hour and an annual fee of $50.  Seems like a pretty good deal compared to car rentals.  Something to certainly keep in mind for college students, city dwellers and the inconvenience of a broken down car.