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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 with your rental company to determine if the coverage is adequate. policies don't cover Personal Accident Insurance (PAI). 


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.

Contact Us

Please check if these questions are relevant or scroll down to contact us:


What are the benefits?
Who is & Who provides the coverage?
What is the Rating of Our Underwriters?
Why use
What have I got and what will I be offered at the rental desk?
Who are’s insurers?
Are additional drivers covered?
Should I just risk it?
What do I pay if there’s an accident?
What vehicles are covered?
What about unsealed roads?
How are coverage days calculated?
Am I insured if I have more than one accident?


When can I expect claims to be settled?
How do I make a claim?
How do I report a claim for "Collision Damage Coverage" (for US Residents)?
My claim has been approved. When will I receive payment?
What are the steps in the claims process?

Claims Info

What is the claim process?

Rental Guide: Destination Asian Countries

What should I do at the rental desk in Asian Countries

Rental Guide: Destination Australia/NZ

How does Excess Reduction & Third Party Insurance work in Australia and New Zealand
What should I do at the rental desk in Australia/NZ?

Rental Guide: Destination Canada

How does rental excess & CDW work in Canada? What are my options?
What should I do at the rental desk in Canada?

Rental Guide: Destination EU/UK

How does rental excess/CDW work in Europe? What are my waiver options?
What should I do at the rental desk in EU/UK?

Rental Guide: Destination Latin American Countries

What should I do at the rental desk in Latin American Countries

Rental Guide: Destination Namibia/Africa

How does rental excess & CDW work in Africa? What are my options?

Rental Guide: Destination 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?
What is Extra Cover for the USA? What do I say at the rental desk?
What should I do at the rental desk in the US?
What should I do at the rental desk if I am traveling abroad with Collision Damage Coverage (for US Residents)?

Rental Guide: Destination Worldwide

What should I do at the rental desk: Introduction

Rental Guide: Insurance products

What is "excess", "CDW", "LDW", "excess reduction", etc? And what is
Is "Third Party" included?
How do "LDW" and "Super CDW" and "Super LDW" differ from simple "CDW"?
What is SLI (Supplementary Liability Insurance)?
What is PAI (Personal Accident Insurance)?
What is Theft Protection?
Why do rental companies charge a large excess when the repair cost is small? What happens if I'm "not at fault"? Will I get my money back? When?

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