Thanks ezmonee. I made the reservation directly with Avis, not via AmEx, although I paid with AmEx. Since I didn't decline the LDW, I don't think my AmEx would cover anything. I feel better about the "unavail" note on the record with your explanation, and I do have a print-out of the reservation that says LDW is included, so I'm sure everything is fine.
Of course, I got a little nervous when I read the other thread stating that a spouse driver now requires a fee and an additional driver form. We've always been told my spouse can drive without these, and he was actually driving when the mishap occurred, which was noted on the accident report.
Hopefully, the previous information I'd been given that my spouse can drive without the additional driver form and fee is still accurate.
Your help was most appreciated throughout this thread!
Susan