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Additional Liability Insurance Additional Liability Insurance
If you elect to purchase ALI, coverage will be provided to you and any authorized driver under an excess automobile policy issued to Avis. ALI provides protection for third party automobile claims for the difference between the minimum financial responsibility limits provided under paragraph 22 above and a maximum combined single limit of liability of $1,000,000 or $2,000,000 depending on the jurisdiction of rental for bodily injury, death or property damage for each accident. This coverage is provided under a policy of excess liability insurance more fully described in the available brochure and is subject to all of the conditions and limitations described in paragraph 22 above, except that notwithstanding anything contained in the Agreement, the terms of the policy will at all times control. ALI does not apply to liability for bodily injury or property damage arising out of any "prohibited use of the car" as described in paragraph 15 of the Agreement, all of which are exclusions to ALI. Other exclusions to ALI are listed in the ALI policy. You understand that you will be charged the rate per day for a full day even if you don’t have the car for the entire day. Disclosures Regarding Additional Liability Insurance in the State of Florida.
What is Additional Liability Insurance (ALI)?
Avis has Additional Liability Insurance (ALI) available at all Florida locations. ALI is a special optional service offered by Avis when you rent a car from Avis. It’s an "Excess Automobile Liability Insurance Policy" that provides additional liability insurance, within specified limits, above the limits provided in the Agreement. ALI insures you, and authorized operators as defined in the Agreement against claims made by third parties against you, the customer, for bodily injury/death and property damage caused by the use or operation of a Avis rental car as permitted in the Agreement. ALI is a separate insurance policy issued to Avis by ACE American Insurance Company.
If you elect to accept ALI, you will pay an additional daily charge as shown on the Agreement. The purchase of ALI is not required in order to rent a car from Avis.
What are the coverage limits provided by ALI?
The ALI coverage limits equal the difference between the minimum financial responsibility limits, if any, provided under paragraph 22 of the Agreement and the ALI maximum combined single limit of liability of $1,000,000 or $2,000,000 depending on the jurisdiction of rental.
When and where does ALI coverage apply?
You and authorized operators are covered while driving the rental car within the United States and Canada, but only if the car is rented and returned in the United States. Coverage does not apply in Mexico.
How do I report a claim?
If you are involved in an accident, you must complete an accident report and deliver it to the Avis rental location. In order to make a claim or give notice of a claim, send written notice to:
Avis Rent A Car System, Inc.
P.O. Box 61247
Virginia Beach, VA 23466
How does ALI affect the application of your automobile or umbrella insurance policy?
Your personal insurance policy providing coverage on an owned automobile, or other personal policy, may provide additional coverage, and to that extent, ALI may provide a duplication of coverage.
Whether, at what point, and to what extent, your own policies apply can only be determined by your checking the terms of the policies themselves as these terms frequently vary. However, if ALI is accepted, the protection afforded by ALI, and the limits of protection under this Agreement, are primary to your own policies. This means that before your own policies would apply to pay a claim, the maximum combined single limit of liability of $1,000,000 or $2,000,000 protection afforded by the combination of ALI and financial responsibility limits under this Agreement limits would have to be exhausted. If you do not accept ALI, your insurance, if any, is primary as stated in this Agreement.
What exclusions apply to ALI?
The following highlights some of the exclusions that would preclude ALI. It is important that you read the rental document and the policy carefully for all exclusions.
• Any Prohibited Use of the Car as described in paragraph 15 of the Agreement
• Bodily injury to or Property Damage to any Insured; nor, to the extent permitted by law in the state where the rental document is signed at time of rental/where the car is rented, to Bodily Injury or Property Damage to any person who is related to any Insured by blood, marriage or adoption and residing in the same household.
• "Uninsured Motorist"/"Underinsured Motorist" coverage are not provided by the policy except in states where mandated by law up to maximum amount of $100,000 or in such amounts as mandated by law
• "No Fault" and other supplemental or optional coverages are not provided by the policy
• Punitive or exemplary damages to the extent permitted by law
Are there any special restrictions on the purchase of ALI?
In Florida, ALI may not be purchased if the term of the rental document is for more than 30 days, coverage may not be provided for more than 30 consecutive days; and if the rental document is extended beyond 30 days, the coverage may be extended for one time only, for a period not to exceed 30 days.
For more information call Avis toll-free at: 1-800-527-7000
Visit Avis online at Avis.com
This is a summary only of ALI. The specific terms, conditions and exclusions thereof are subject to all provisions, limitations and exclusions contained in the rental document and the ALI policy issued by ACE American Insurance Company, one of the U.S.-based subsidiaries of ACE Limited (NYSE: ACE) "ACE" and the ACE logo are service marks of the ACE Group, which is comprised of ACE Limited and its subsidiaries.
This summary is not intended to provide a complete description of the policy’s terms, conditions and exclusions. For additional details, we invite you to examine a copy of the policy, which is available for your inspection, upon request, at the Avis location at which you are renting.
Avis employees, agents, or endorsees are not qualified to evaluate the adequacy of the renter’s existing coverage.