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No. Avail provides coverage for everyone participating in car sharing.
Once we find damage, we will file a claim with our insurance company, Allstate. Allstate will work with you to determine what happened while you were borrowing an Avail car. Deductibles or fees may apply.
Yes. If Avail’s insurance pays to repair the damage and you are found to be at fault for damage to the vehicle, you may be responsible for a $500 deductible.
Effective June 20, 2022, Avail’s insurance is excess over any other coverage that may exist (i.e. your personal auto policy or a credit card policy). If those policies pay to repair the damage, then they may have different deductibles that apply.
For questions about whether your personal auto policy or credit card policy may apply, please contact your insurance provider or a licensed insurance agent.
Since Avail’s coverage is always excess (secondary) over any other insurance that might exist, it is possible that other policies, such as your personal auto policy or a credit card policy, will cover any damage to the vehicle that might have occurred during your trip.
Don’t stress if you don’t have other insurance or your personal policy will not cover you on your Avail trip! Allstate’s insurance will provide coverage in that case.
For questions about whether your personal auto policy or credit card policy may apply, please contact your insurance provider or a licensed insurance agent.
Avail has a best in class auto policy to cover your car while car sharing. This policy requires customers who are not a part of the Avail Plus long-term sharing program to have physical damage coverage on the car to get coverage. If you are part of Avail Plus, our policy drops that requirement. Regardless of whether you’re sharing long-term or not, your state may require proof of coverage and may not accept Avail’s policy. You should speak to your insurance agent about your state’s laws since you are responsible for meeting those.
Avail inspects your car when you drop it off, including taking photos and a video. We then inspect your car after every trip to capture any damage and ensure your car is quickly repaired if damaged.
Once we find damage, we will file a claim with our insurance company, Allstate. From there, we’ll work with you to make repairs and provide you alternative transportation if needed while your car is being fixed. Car owners are never financially responsible for a deductible while sharing and Avail will not file a claim on your personal auto policy.
Contact Avail. We will work with Allstate and yourself to get the damage inspected and, if it occurred while car sharing, repaired.
