I just got off the phone with VISA benefits -- the agent told me that Liability is something we need to purchase separately from AVIS if we're renting internationally. In the VISA benefits package it says to decline CDW/LDW but she said the LDW doesn't stand for liability, it stands for Loss Damage Waiver. She said that the words Collision and Loss are used interchangeably and to not confuse Loss with Liability which is separate.

So, i guess I need to contact AVIS since my quote also says that Liability was "declined"...