Additional Liability Insurance (ALI) | Avis Rent a Car

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 $500,000 in all states 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 Empire Fire And Marine Insurance Company in the following states, CA, DE, FL, IN, IA, LA, ME, MD, MT, NH, NY, PA, P.R. and WA and by ACE American Insurance Company in all other states. 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 ALI maximum $500,000 combined single limit in all states and the liability protection limits provided under the Avis rental agreement.

 

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.  

Note: 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.

Attn: Claims

P.O. Box 61247

Virginia Beach, VA 23466

1-866-446-8376

 

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 checking the terms of the policies themselves as these terms frequently vary. However, the protection afforded by ALI (if ALI is accepted), like the Avis rental agreement limits of protection, is primary to your own policies. This means that before your own policies would apply to pay a claim, the $500,000 protection afforded by the combination ALI and the Avis rental agreement limits would have to be exhausted.

 

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” are not provided by the policy except in states where mandated by law up to such amount as mandated by state 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

 

ALI Coverage in the following states, CA, DE, FL, IN, IA, LA, ME, MD, MT, NH, NY, PA, P.R. and WA is underwritten by Empire Fire And Marine Insurance Company, 1299 Zurich Way, Schaumburg, IL 60196, 1-800-987-3373. Specific terms, conditions and exclusions may be different where required by state law. Details are available in the Certificate of Insurance (or Policy in certain states) on file with Avis which is available for your inspection upon request.

 

ALI Coverage in all other states is underwritten by ACE American Insurance Company, a Chubb company. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com.  This communication contains product summaries only.  Coverage is subject to the language of the policies as actually issued.  Chubb, 202 Hall’s Mill Road, Whitehouse Station, NJ 08889-1600.

 

Avis employees, agents, or endorsees are not qualified to evaluate the adequacy of the renter’s existing coverage.

 

For the full brochure, please click here.

 

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