Protections & Coverages FAQ | Avis Rent a Car

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Avis provides liability coverage for its vehicles as required by applicable law. In most instances, this will include coverage for the renter or authorized driver up to the financial responsibility limits of the applicable jurisdiction at no additional charge. In some states, the liability coverage provided is excess to any other applicable coverage. This means the renter's personal liability insurance is used first, and the Avis protection will not apply until the renter's or driver's insurance, if any, has been exhausted. Please check the rental agreement or nearest Avis reservation center regarding the applicability of automobile liability coverage to specific locations. You should also check with your own insurance company to determine the level of your protection under their policy.

Exceptions: 
CALIFORNIA: Automobile Liability and Property Damage Protection is not included in the rental rate. The customer may provide automobile liability insurance through a personal insurance policy or may purchase Additional Liability Insurance.
MISSOURI: Avis does not provide Automobile Liability Insurance and Property Damage Protection unless the renter/authorized driver does not carry a personal automobile liability insurance policy. In that case, Avis will provide coverage up to the fFnancial Responsibility Limits (FRL) at no additional charge.
NEW YORK: Avis provides liability coverage for its vehicles as required by applicable law. In most instances, this will include coverage for the renter or authorized driver up to the Financial Responsibility Limits of the applicable jurisdiction at no additional charge.

TEXAS: Automobile Liability and Property Damage Protection is not included in the rental rate. The customer may provide automobile liability insurance through a personal insurance policy or may purchase Texas Automobile Rental Liability Insurance.
UTAH: Avis does not provide Automobile Liability Insurance and Property Damage Protection unless the renter or authorized driver does not carry a personal automobile liability insurance policy. Inthat case, Avis will provide this coverage up to the Financial Responsibility Limits (FRL) at no additional charge.

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Avis offers several optional insurance plans and are available for an additional daily charge. Renters may (in many locations) purchase additional liability insurance at the time of rental. The Avis renter is responsible for all damage or theft of the Avis vehicle subject to certain exclusions contained in the Avis rental agreement.

For an additional fee, Avis will waive or limit the renter's liability through the purchase of a Loss Damage Waiver at the time of rental. In some cases, renters may be covered for loss or damage to the renter vehicle by their personal insurance or charge card. Such coverage may contain a deductible or may not be primary. Please check with your insurance company or credit card company before you rent.

Loss Damage Waiver (LDW)

Renters may purchase loss damage waiver (LDW) that reduces the financial liability for loss or damage to the Avis car as long as they comply with the terms of the Avis rental agreement. Cost of LDW will vary by location, car group and rate. If you have rental car coverage through your personal insurance or charge card, LDW offers maximum protection while your personal insurance or charge card may contain a deductible.

Personal Effects Protection (PEP)Personal Effects Protection insures the personal belongings of the renter and the immediate family members who are traveling with the renter. The maximum coverage is $600.00 per claim, with a maximum coverage for individuals of $1,800.00. Exceptions:

NEW YORK: Personal Effects Protection insures the personal belongings of the renter and the immediate family members who are traveling with the renter. The maximum coverage is $500.00 per claim, with a maximum coverage for individuals of $1,500.00.

Personal Accident Insurance (PAI)

Personal Accident Insurance (PAI) provides accidental death benefits and emergency medical expense benefits to the renter and all passengers in the Avis car.

The renter is covered 24 hours a day during the rental for the following:
-$175,000.00 accidental death
-$2,500.00 medical coverage for injuries due to an accident
-$250.00 for ambulance expenses

The passengers are covered while in the car for the following:
-$17,500.00 accidental death
-$2,500.00 medical coverage for injuries due to accident
-$250.00 for ambulance expenses Exceptions:

NEW YORK: The renter is covered 24 hours a day during the rental for the following: 
-$175,000.00 accidental death 
-$3,500.00 medical coverage for injuries due to an accident 
-$250.00 for ambulance expenses

PAI-Plus

PAI-Plus is designed to meet the needs of renters who require extended amounts of insurance coverage (i.e. visitors from non-U.S. countries).

The renter is covered 24 hours a day during the rental for:

  • $250,000 accidental death
  • $2,500 medical coverage for injuries due to an accident
  • $250 for ambulance expenses

The passengers are covered while in the car for:

  • $125,000 accidental death
  • $2,500 medical coverage for injuries due to accident
  • $250 for ambulance expenses

*Personal Accident Insurance (PAI), PAI-Plus, and Personal Effects Protection (PEP) are optional coverages available at time of rental. PAI and PEP are sold together as an optional protection package. PAI-Plus may be purchased individually.

Additional Liability Insurance (ALI) 

Renter may purchase Additional Liability Insurance (ALI) at the time of rental. ALI provides additional protection for bodily injury, death or property damage and increases the limits to $1,000,000 or $2,000,000 combined single limit depending on the location. When ALI is purchased, Avis will always provide the Financial Responsibility Limits (FRL) on a primary basis.

Customer Service

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Preferred Members who have registered with Avis.com and have a My Avis profile can login to modify their protections/coverages. Once logged in, click the "Edit" link in the "Protections/Coverages" module on the My Account page. Choose which protections/coverages you'd like to accept or decline, and submit the form. These changes will take a few days to process, but will automatically update in your profile and apply to future reservations.

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No, but you are responsible for the vehicle in the event of damage. You should check with your respective insurance company to see if you have ample coverage while renting a vehicle. In the event you do not have proper coverage, Avis sells a variety of protection coverages for your rental.

The benefits of the coverages vary by location. If you have questions about a specific coverage, please check with the renting location or contact customer service. You may select the coverages available at a particular rental location during your online reservation process, or upon arrival at the rental location. Please keep in mind that you always have the opportunity to change your coverage selections at the counter when you pick up your car. You can also save your protections/coverages preferences on your My Avis or Preferred profile.

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If an Avis vehicle is being used to transport a group (such as a team, camp, etc.), the group must provide Avis with their own group liability insurance. Please call 800-633-3469 for more information.

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