Thank you for your inquiry!
According to Avid, the 4 types you mentioned are:
LDW - Loss Damage Waiver:
If you have rental car coverage through your personal insurance or
charge card, LDW offers maximum protection while your personal
insurance or charge car may contain a deductible. Beware, there are
some small exceptions to this and the following policies.
PAI - Personal Accident Insurance
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
· $175,000.00 accidental death
· $2,500.00 medical coverage for injuries due to an accident
· $250.00 for ambulance expenses
This may or may not be more than your own auto insurance would cover
you for if you were renting a car, it would depend on your policy.
PEP - Personal Effects Protection
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. Check with your personal life
insurance and car insurance to know exactly what theyre coverage is.
ALI - Additional Liability Insurance
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
All of this information can be found at:
Generally, no, these policies are not really necessary. Many, or all
of these are already covered by either your credit card (although
usually you have to charge the rental car to that card), or more
likely, by your personal auto insurance.
According to Cardweb.com, auto rental insurance provided by Chase
Platinum Visa provides coverage for damage due to collision or theft.
According to a 21st Century Insurance Representative, considering the
comprehensive coverage you have, you most likely DO have coverage on a
rental car. However, without knowing your exact policy number, its
impossible to be sure of this. I suggest you call your auto insurer
and speak with them directly to get the full details.
The most authoritative sources for this information are going to be
speaking with your 21st Century Insurance Representative about your
specific renters coverage, and a Chase Platinum Visa representative
about your account coverage.
To go to the 21st Century Insurance website, visit:
To contact Chase bank, see:
Search Terms Used:
Car rental insurance
Rental insurance law
Thank you and have a good day!