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Q: Rental car insurance? ( Answered,   1 Comment )
Subject: Rental car insurance?
Category: Business and Money
Asked by: beavis-ga
List Price: $5.00
Posted: 22 Apr 2002 10:55 PDT
Expires: 29 Apr 2002 10:55 PDT
Question ID: 2666
I have a Chase Platinum visa. I am going to rent a car. Most car rentals sell
you extra insurance. Avis lists the following:
LDW - Loss damage Waiver   21.99 - USD per day
PAI - Personal Accident Insurance 3.00 - USD per day
PEP - Personal Effects Protection 1.95 - USD per day
ALI - Additional Liability Insurance 10.95 - USD per day

Are these really necessary? Which ones are already somehow covered by my credit
card? I also have regular CA auto insurance with 21st century. Does that help?
Authoritative sources please.

Request for Question Clarification by waggawa-ga on 23 Apr 2002 12:46 PDT
What kind of "regular CA" auto insurance do you have? Default/minimum insurance 
is just 3rd party coverage (if you damage another person's car). It does not 
cover any personal effects (e.g. if something in your car gets stolen) and 
pretty low personal accident insurance (if you get hit).

LDW covers damage done to the rental car itself and is not covered by this 
level CA auto insurance.

21st century should be able to answer your question for free.

Clarification of Question by beavis-ga on 26 Apr 2002 11:44 PDT
I have bodily injury, property damage, medical payments, unisured
motorist, comprehensive, and collision. (basically all of them)
Clearly I have some sort of coverage. The question is, what are these
four types of additional insurance that avis sells and which ones are
covered by my credit card or regular auto insurance?
Subject: Re: Rental car insurance?
Answered By: skis4jc-ga on 26 Apr 2002 22:18 PDT
Dear Beavis,

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 they’re 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:
Avis – Policies

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, 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, it’s
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
Car insurance
Chase bank
Rental insurance law

Thank you and have a good day!

Best Regards,
Subject: Re: Rental car insurance?
From: poshspicelv-ga on 23 Apr 2002 09:41 PDT

Chase Platinum Visa comes with automatic rental car insurance coverage. I found 
that information on this page towards the bottom:

However, to be certain that the coverage is available, I suggest you call Chase 
using the 800 number that is printed on your credit card statement.

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