First-time FT poster here.

My former employer has an AWD code for personal use (discounted rates but no insurance included). I applied the code to a recent reservation, which saved several hundred dollars. I still have my badge from the former employer, which has my first name and recent photo.

I've never rented from Avis before, but I have Preferred Plus status via a status match last year, though I'm not sure when it expires. (I was planning on renting from them, hence the match, but my plans changed.)

Here are my questions:

1. If Avis asks for proof of eligibility at the counter, would my badge suffice, or would they somehow look up my name on a list of employees?
2. I'm assuming I wouldn't run into issues in the event of an accident since the AWD code doesn't include insurance -- is that true?
3. I've heard that Avis members can bypass the counter and go straight to the gate. If that's true, would I still be asked for proof of employment?

I have the same questions for National, but I'm assuming I should ask that elsewhere.

Thank you for your help!