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Personal Accident Insurance (PAI) for Rental Cars

Personal Accident Insurance (PAI) provides medical coverage for you and your passengers if injured in a rental car accident. Understanding PAI helps you determine whether you need it and how to use it.

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What PAI Covers

PAI typically provides:

• Medical expenses for you and passengers
• Accidental death benefits
• Ambulance costs
• Hospital stays
• Coverage regardless of fault

PAI is separate from CDW/LDW and liability coverage.

Do You Need PAI?

You may not need PAI if you have:

• Good health insurance
• Personal injury protection (PIP) on your auto policy
• Medical payments coverage on your auto policy
• Employer-provided benefits

Review existing coverage before purchasing PAI.

Using PAI After an Accident

To access PAI benefits:

• Verify you purchased PAI with your rental
• Report injuries to rental company
• File claim with PAI administrator
• Provide medical documentation
• Submit within required timeframe
• Coordinate with other coverage

Frequently Asked Questions

Is PAI worth buying?

Usually not if you have health insurance and auto medical payments coverage. However, it may provide benefits beyond what other coverage offers.

Does PAI cover lost wages?

No, PAI typically covers medical expenses only. Lost wages would be recovered through a liability claim against the at-fault party.

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