A man smiles while driving a car.A man smiles while driving a car.

Every trip is protected

No choosing plans. Allstate provides the coverage you need.*
Before a trip
From the second a car is left in Avail's care, Avail's Allstate policy kicks in. Our lot staff inspect and document all incoming cars to ensure we hand each car back to its owner in the same condition it was dropped off in.
During a trip
All trips are covered by Allstate insurance. We provide borrowers with $100,000 in liability coverage, or their state's minimum requirement (whichever is higher). This coverage is excess over any other insurance that borrowers may have. Additional fees may apply. Owners receive up to $1 million in primary liability coverage.
After a trip
We inspect every vehicle upon its return to make sure it’s running smoothly and there’s no physical damage. If there’s noticeable damage, we file a claim on the owner’s behalf and coordinate repairs. The insurer may reach out to the borrower to gather details for the claim. Owners never pay anything in the rare case their car is damaged.
*Avail owners are required to have collision and comprehensive coverage on their personal policy (Avail Plus owners are exempt from this requirement). All owners, including owners with Avail Plus status, are responsible for meeting their state’s minimum insurance coverage requirements.

What if something unexpected happens?

When the unexpected comes up, we facilitate the entire claims process and keep you updated on what happens next.
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What if I’m in an accident while driving an Avail car?

Call Avail's 24/7 Roadside Assistance
We pick up the Avail car and get you to a safe location.
We help you file a claim
We facilitate the entire process. As part of Avail's terms of service, you will pay $500 if damage is found after your trip.
We get you back on the road
We set you up with a new vehicle so you can get back to your trip.

What if my car is in an accident while shared on Avail?

We will inform you
We will reach out to you and let you know how and where your car is damaged. If you notice undocumented damage, text Avail support at 888-510-3845 to let us know.
We contact Allstate
We work with Allstate to document the accident and file an insurance claim so that your car can get repaired. We will provide you with an alternative car if you need it.
Cost estimate & repair
Allstate will contact you to assess how much repairs will cost and start fixing your car. You will never be financially responsible for any damage to your car, but we do need your permission to make any repairs.
Allstate follows up
An Allstate claims adjuster will provide you regular updates about the status of your car/claim. If you have any questions, reach out to your adjuster directly or text Avail support at 888-510-3845.
You get reimbursed
Allstate will handle direct payment to the owner of the car. If you don’t fully own the car, Allstate works with your financial institution or lienholder.
We get your car back
Avail will get your car back to you so you can start sharing it again if you’d like.
Alt text: An open road leads into the mountains.

24/7 customer support & assistance

We’re always here if you have any questions or concerns about using Avail, sharing your car, or insurance. Email support@availcarsharing.com or text us at 888-510-3845.

Frequently asked questionsFAQ

For borrowers
Can I use my own insurance for a discount?
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Avail currently does not offer up-front discounts for using your own car insurance. However, in general, our insurance is excess over any other applicable insurance that may exist.

For questions about whether your personal auto insurance applies, contact a licensed agent or your insurance provider.

What happens if I ding or scratch the car?
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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.

What do I have to pay if the car gets damaged?
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If damage is found on the vehicle after your trip, you will be responsible for a $500 damage fee.

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.

Will my personal insurance cover my Avail trip?
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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.

For owners
Can I get rid of my insurance on the car I’m sharing?
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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.

How does Avail ensure my car is undamaged upon return?
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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.

What happens if my car is in an accident?
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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.

What if I find dings or scratches on my car after sharing?
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Contact Avail. We will work with Allstate and yourself to get the damage inspected and, if it occurred while car sharing, repaired.

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