Do I need insurance to rent a car?
no, it is not necessary to have insurance because the rental cars are already insured. That said, some form of rental insurance is highly recommended because if you rent a car without insurance, you are responsible for any damage to the vehicle. avis has several affordable car rental insurance options, or you can use another provider. for example, your credit card company or your personal auto insurance provider may provide rental insurance.
Do I have to take out insurance through Avis to rent a car?
You can choose to rent a car without purchasing any protection or coverage through Avis. just keep in mind that while you’re renting, you’ll be responsible for anything that happens to the car, such as a collision, vandalism, tire damage, or a rollover.
In some cases, your rental vehicle may be covered by your personal insurance or credit card. If you plan to rely on these forms of insurance during your rental period, avis recommends that you check with your insurance company or credit card company before renting.
To avoid damage charges, make sure you have some form of insurance coverage. avis offers several great options that you can request when you make your reservation, when you pick up your rental, or anytime in between. For more information on rental insurance policies, which vary by location, please contact customer service.
does avis have insurance for their rental cars?
avis provides liability coverage for all of our vehicles as required by local law. However, in some states, the coverage provided by Avis only applies after the renter’s personal insurance has been used to cover as much as possible. Check with your insurance company and the Avis office where you rent your vehicle to make sure you know exactly what will be covered and what you may be liable for in the event of an accident.
exceptions
california: Auto Liability and Property Damage Protection are 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 or property damage protection unless the renter/authorized driver does not have an automobile liability insurance policy. In that case, Avis will provide coverage up to the Financial Responsibility Limits (frl) at no additional charge.
new york: Avis provides liability coverage for its vehicles as required by applicable law. in most cases, this will include coverage for the renter or authorized driver up to the financial responsibility limits of the relevant jurisdiction at no additional charge.
texas: Auto Liability and Property Damage Protection are not included in the rental rate. Customer may provide auto liability insurance through a personal insurance policy or may purchase Texas car rental liability insurance.
utah: Avis does not offer automobile liability insurance or property damage protection unless the renter or authorized driver does not have an automobile personal liability insurance policy. In that case, Avis will provide this coverage up to the Financial Responsibility Limits (frl) at no additional charge.
what are my car rental insurance options?
Sometimes renters ask, “I don’t have car insurance, can I still rent a car?” yes, liability insurance options are available through avis for an additional daily charge. These options provide additional coverage for anyone who wants a little extra protection and temporary coverage for those without personal auto insurance.
learn more about your avis insurance options below.
loss damage waiver (ldw)
A loss damage waiver reduces the amount you pay for any damage to the car. Your personal insurance may charge you a deductible if your rental car is damaged, but with an LDW, you have no additional costs. As long as you abide by the terms of the rental agreement, Avis will take care of the rest. the cost of an ldw varies by location, vehicle type, and rate.
personal effects protection (pep)
Personal Effects Protection provides insurance coverage for loss or damage to personal belongings in the vehicle. this applies to the renter and immediate family members traveling together. this policy will cover up to $600 per person and a maximum of $1,800.
exceptions
new york: Personal Effects Protection insures the personal effects of the renter and immediate family members traveling with the renter. maximum coverage is $500 per claim, with a maximum coverage for individuals of $1,500.
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:
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up to $175,000 for accidental death
Up to $2,500 in medical coverage for injuries from an accident
up to $250 for ambulance expenses
Passengers are covered while in the car for the following:
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up to $175,000 for accidental death
Up to $2,500 in medical coverage for injuries from an accident
up to $250 for ambulance expenses
exceptions
new york: The renter is covered 24 hours a day during the rental for the following:
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up to $175,000 for accidental death
Up to $3,500 in medical coverage for injuries from an accident
up to $250 for ambulance expenses
pai-plus
pai-plus is designed to meet the needs of renters who require extended amounts of insurance coverage (such as visitors from countries outside the US).
the renter is covered 24 hours a day during the rental for:
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up to $250,000 for accidental death
up to $2,500 for medical coverage for injuries due to an accident
up to $250 for ambulance expenses
Passengers are covered while in the car for:
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up to $125,000 for accidental death
up to $2,500 for medical coverage for accidental injuries
up to $250 for ambulance expenses
*personal accident insurance (pai), pai-plus and personal effects protection (pep) are optional coverages available at the time of rental. pai and pep are sold together as an optional protection package. pai-plus can be purchased individually.
additional liability insurance (ali)
You also have the option to purchase additional liability insurance to protect you against claims from others, such as passengers in other vehicles. Depending on your rental location, Ali increases the amount insurance pays for these claims to $1 million or $2 million. If you elect this coverage, you will be provided with the Financial Responsibility Limits (FRLs). This policy covers bodily injury, property damage, and death.
is avis group liability insurance available?
If you are traveling with a team or other group, you will need to provide your own group liability insurance.
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