The incidents I had were all prior to my using the Amex Premium insurance. In each case I just filled out the Avis "incident report" and provided the police report number. The code I use most often (L093590) provides free LDW. That's it. I never heard from them in each instance. I think it's a fairly routine thing for rental car companies. When I saw the Amex Premium offer, it just seemed like too good a deal to pass up. Maybe it's a bit of redundant coverage, but for just a few bucks a day, I feel better with it.