Avis Liability Coverage and Insurance Explained

Avis liability coverage is an essential aspect of renting a car, and understanding it can save you from financial headaches in case of an accident.

Avis liability coverage is mandatory in many states, with some requiring a minimum coverage of $10,000 per person and $20,000 per accident.

You can choose to purchase Avis liability coverage, which typically ranges from $8 to $20 per day, depending on the location and type of vehicle.

If you opt out of Avis liability coverage, you'll need to provide proof of your own liability insurance to the rental company.

Avis will not provide a rental car if you don't have adequate liability insurance, so it's crucial to check your policy before renting.

You should review your auto insurance policy before renting a car from Avis, as you may already have coverage that applies to rental vehicles.

Carefully review your policy and check with your credit card issuer about auto insurance benefits, as many credit cards include some level of collision and theft protection.

If you're renting a car, check your own coverages first, including comprehensive and collision insurance, which may already cover damage to a rental car.

Loss Damage Waiver (LDW) is a common insurance option offered by Avis, which reduces the renter's financial liability for loss or damage to the vehicle, but may become void if the accident was caused by speeding, driving on unpaved roads, or driving while intoxicated.

Liability Insurance is also offered by Avis, but if you carry your own auto insurance with higher liability limits, you'll be adequately covered.

The cost of LDW varies by location, vehicle group, and rate, and you should check to see if you have coverage for damage to the rental vehicle through your personal insurance or charge card.

Here are some key insurance options to consider:

It's essential to read and understand the car rental or car sharing agreement, as most companies clearly state what is covered and what supplemental coverage can be purchased.

If you're unclear about the car rental insurance options or are concerned that a rental company is misrepresenting information, check with your agent or call the Property & Casualty Division of the Utah Insurance Department.

Avis provides liability coverage for its vehicles as required by applicable law, but the specifics can vary depending on where you rent. In most instances, this coverage includes protection 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, meaning your personal liability insurance is used first, and Avis protection will not apply until your insurance has been exhausted.

If you're renting in California, you'll need to provide your own automobile liability insurance or purchase Additional Liability Insurance, as it's not included in the rental rate.

In Missouri, Avis will provide liability coverage and property damage protection if you don't carry a personal automobile liability insurance policy, but it's not included if you do have coverage.

New York follows the same general policy as most other states, providing liability coverage for Avis vehicles as required by law, with protection up to the financial responsibility limits of the applicable jurisdiction.

In Texas, you'll need to provide your own automobile liability insurance or purchase Texas Automobile Rental Liability Insurance, as it's not included in the rental rate.

Avis doesn't provide liability insurance and property damage protection in Utah unless you don't carry a personal automobile liability insurance policy, in which case they'll provide coverage up to the financial responsibility limits at no additional charge.

Avis offers a Loss Damage Waiver, also known as a collision damage waiver, to help protect against auto damage during your rental period.

You may already have existing coverage, so it's essential to review your options before choosing a rental insurance plan.

A Loss Damage Waiver can be a valuable investment, especially if you're not familiar with the local roads or laws.

The cost of a Loss Damage Waiver varies depending on the rental location and vehicle type.

Avis also offers Personal Accident Insurance Plus (PAI-Plus) and Personal Effects Protection (PEP) as optional coverages, which can be purchased together as an optional protection package at an additional daily charge.

This package can provide additional peace of mind, especially if you're planning a long road trip or traveling with family.

The cost of PAI-Plus and PEP can add up, so it's crucial to review your insurance options carefully before making a decision.

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 minimum financial responsibility limits of the jurisdiction in which the accident takes place.

You may not need to purchase additional liability insurance if you carry your own auto insurance with higher liability limits. Non-car owners who are frequent renters can consider purchasing a non-owner liability policy to provide additional liability coverage.

Avis does not provide Automobile Liability Insurance and Property Damage Protection in all states, such as California, Missouri, Texas, and Utah. In these states, you may need to purchase additional liability insurance from Avis or provide proof of personal auto liability insurance.

Public Liability Insurance is the liability coverage for vehicles that is required by applicable law if a driver causes injury to a third party. Avis provides this liability protection for its vehicles at no additional charge.

If you're renting a car from Avis in certain provinces, such as Ontario, the liability coverage provided by Avis is secondary to your personal auto liability insurance. This means your personal insurance will be used first, and Avis' protection will only apply after your policy has been exhausted.

Here's a breakdown of the states where Avis provides liability coverage:

Keep in mind that liability coverage requirements vary by state and jurisdiction. It's essential to check with your own insurance company to determine the level of your protection under their policy.