COVERAGE POLICIES

Additional Liability Insurance (ALI)

Automobile Liability & Property Damage Protection

Coverage

Group Insurance

Loss Damage Waiver (LDW)

Optional Protection Package

Personal Accident Insurance (PAI)

Personal Accident Insurance Plus (PAI-Plus)


Personal Effects Protection (PEP)


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Additional Liability Insurance (ALI)
Renter may purchase Additional Liability Insurance (ALI) at the time of rental. ALI provides additional protection for bodily injury or death and property damage and increase the limits to one million dollars. When ALI is purchased, Avis will always provide the Financial Responsibility Limits (FRL) on a primary basis. Both the FRL and the ALI will be exhausted before the renters/authorized drivers personal automobile liability insurance is utilized. Purchase of ALI is optional.
Check with our location directly for cost of ALI.

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Automobile Liability & Property Damage Protection
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 that is 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.

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Coverage
Avis provides statutory limits of liability insurance as shown on the rental agreement at time of rental. In addition, renters may (in many locations) purchase additional liability insurance at the time of rental. Please call 1-800-230-4898 for additional information.
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. Please email or call us at 859-281-1681 for additional information.
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 charge card company before you rent.

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Group Insurance
If an Avis vehicle is being used to transport a designated defined group of people (such as a sports team, school groups, etc.), proof that the renter of such vehicle has satisfactory primary liability insurance coverage must be provided to Avis by having an insurance agent complete the  "Renter's Primary Automobile Liability Certificate " before the rental may take place.  (click here to view form)

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Loss Damage Waiver (LDW)
Renters may purchase loss damage waiver (LDW) that relieves them of all financial responsibility 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.

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Optional Protection Package
Personal Accident Insurance (PAI), PAI-Plus and Personal Effects Protection (PEP) are optional coverages the customer may purchase at the time of rental. PAI and PEP are sold together as an optional protection package.

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Personal Accident Insurance (PAI)
Personal Accident Insurance (PAI) provides accidental death 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

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Personal Accident Insurance Plus (PAI-Plus)
PAI-Plus is designed to meet the needs of renters who require extended amounts of insurance coverage (i.e. visitors from foreign countries).

The renter is covered 24 hours a day during the rental for the following:
• $250,000.00 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:
• $125,000.00 accidental death
• $2,500.00 medical coverage for injuries due to accident
• $250.00 for ambulance expenses

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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.

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