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What is PAI (Personal Accident Insurance)?

The following information is for US customers only, for information relating to other regions please refer to the country specific FAQs

 

Personal Accident Insurance (PAI) insures drivers of a rental car and their passengers for accidental medical costs, emergency care and accidental death during your rental trip, up to a certain limit. Please check the amount of coverage on your policy if you have or intend to purchase personal accident insurance to determine if the coverage is adequate.

 

Example

RentalCover.com customer Bob Geldof is setting off on a tour of America with his band. Bob has decided that taking the tourbus wouldn't be environmentally friendly for such a long trip, so instead he books a hire car to travel from venue to venue. Bob quickly discovers that hiring a car for so long is actually quite expensive, so he decides not to purchase any of the optional extras to save costs.

While traveling through the middle of Detroit, Bob is distracted when he hears one of his own songs on the radio, and as a result he doesn't notice the car in front of him stopping until too late. While the damage to both cars is only minor, Bob's back is hurting and he decides it would be best to call for an ambulance. Bob is carted off to hospital where it's confirmed he's suffering from whiplash, and he is confined to a hospital bed for the next week.

As bad as it is that Bob has to call off the rest of his tour, things only get worse when he tries to claim the cost of his injuries on insurance. Poor Bob finds out that by opting out of Personal Accident Insurance when he hired his car, he waived his right to claim his ambulance and medical costs, and now he has to fork out thousands of dollars for his stay in hospital.

 

What is the standard level of coverage?

The following table provides an overview of the standard levels of coverage provided by insurers in the US:

Claim Standard Coverage
Accidental Driver Death $100,000 to $200,000
Accidental Passenger Death $10,000 to $30,000
Medical Coverage for Injuries $2,500 - $5,000
Ambulance Coverage $250 - $500
 

How does the claim process work?

If you or a passenger are injured as a result of driving your rental vehicle, you will need to contact your rental company's insurer directly to place a claim. This will normally involve filling out a claims form, and you will be required to provide the details of your insurance, a receipt of the premium you paid and invoices for your medical costs (hospital and ambulance). In the case of death, the next of kin can place the claim with the insurer and provide details of the accident.


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Country: Asian Countries

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How does Excess Reduction & Third Party Insurance work in Australia and New Zealand
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What should I do at the rental desk in Latin American Countries

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Country: United States

What are the insurance options in the USA? How does the US differ from most other countries?
How Does The Free Roadside Assistance Work for USA Policies?
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What should I do at the rental desk: Introduction

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Personal Accident Insurance

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Supplemental Liability Insurance

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