When it comes to renting a car, getting insurance coverage is a must. Avis Insurance is a popular choice for many renters due to its comprehensive coverage and affordable rates. In this article, we will discuss everything you need to know about Avis Insurance, including what it covers, how much it costs, and frequently asked questions.
What is Avis Insurance?
Avis Insurance is a car rental insurance policy that provides coverage for rental cars from Avis. Avis offers several types of insurance coverage, including collision damage waiver, personal accident insurance, and personal effects coverage. These policies are designed to protect renters from financial responsibility in case of damage, theft or accident involving the rental car.
Collision Damage Waiver (CDW)
Collision Damage Waiver (CDW) is a type of insurance that covers damages to the rental car in case of an accident. This coverage is optional, but it is highly recommended for renters. It protects renters from financial liability up to the full value of the rental car if the car is damaged in an accident or stolen. CDW only covers damages to the rental car and does not include liability coverage for any damage caused to other cars or property.
If you decline CDW coverage and the rental car is damaged, you will be held responsible for the full cost of repairs or the market value of the car if it is determined to be a total loss. This can be a costly expense and can ruin your trip.
Personal Accident Insurance (PAI)
Personal Accident Insurance (PAI) is a type of insurance that covers medical expenses and accidental death benefits in case of an accident involving the rental car. This coverage is optional and provides protection for renters and their passengers in case of a covered accident.
PAI covers medical expenses up to a certain limit and provides accidental death and dismemberment benefits. If you already have personal health insurance or life insurance, PAI may not be necessary.
Personal Effects Coverage (PEC)
Personal Effects Coverage (PEC) is a type of insurance that covers personal belongings that are lost or stolen from the rental car. This coverage is optional and provides protection for valuables such as laptops, cell phones, and cameras.
PEC covers personal belongings up to a certain limit and is subject to a deductible. If you have homeowner’s or renter’s insurance, your personal effects may already be covered, and PEC may not be necessary.
How Much Does Avis Insurance Cost?
The cost of Avis Insurance varies depending on the type of coverage, location, and length of the rental. CDW typically costs between $9 and $25 per day, while PAI and PEC each cost about $5 per day. These costs can add up quickly, so it’s important to consider your budget when choosing which coverage options to add to your rental.
Avis Insurance FAQ
Do I Need Avis Insurance if I Have Personal Auto Insurance?
If you have personal auto insurance, you may already have coverage for rental cars. Check with your insurance provider to see if rental cars are covered under your policy. If rental cars are not covered, you may want to consider purchasing CDW or other coverage options from Avis to protect yourself and your finances in case of an accident or damage to the rental car.
What Happens if I Damage the Rental Car?
If you damage the rental car, you will be responsible for paying for the repairs or the market value of the car if it is deemed a total loss. If you have CDW coverage, Avis will waive your financial responsibility up to the full value of the rental car. If you decline CDW coverage, you will be responsible for the full cost of repairs or the market value of the car.
Can I Purchase Avis Insurance After I’ve Already Rented the Car?
Yes, you can purchase Avis Insurance after you have already rented the car. However, it’s important to note that coverage options and rates may be different if you purchase insurance after you’ve picked up the rental car. Consider purchasing the insurance when you make your reservation to ensure you have the coverage you need at the best possible rate.
What is Not Covered by Avis Insurance?
Avis Insurance does not cover damages caused by negligent or reckless behavior, driver impairment due to drugs or alcohol, or damage caused by using the rental car for illegal purposes. Avis Insurance also does not cover loss of income or other financial losses resulting from an accident or damage to the rental car.
Conclusion
Avis Insurance is a comprehensive and affordable option for renters looking to protect themselves and their finances when renting a car. With coverage options for collision damage, personal accident, and personal effects, Avis Insurance can give renters peace of mind knowing they are protected in case of an accident or damage to the rental car.
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