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Personal Accident Insurance

Select a rental company to view available protections and coverage.

Personal Accident Insurance

What is PAI (Personal Accident Insurance)?

Personal Accident Insurance (PAI) provides coverage for accidental death and medical expenses of the renter and all passengers in the vehicle. The renter is covered for accidental bodily injury during the entire rental period (24 hours a day). Passengers are covered while in the vehicle and while entering and exiting it.

The service is provided by Zurich American Insurance Company and the primary driver can purchase it by paying an additional fee specified at the time of booking and in the rental agreement.

The coverage period cannot exceed a period of 30 consecutive days.

What is the scope of this insurance?

PAI provides the following maximum benefits for accidental bodily injury in the United States:

  • Up to USD 175,000 (renter) and USD 25,000 (passenger) in case of accidental death and dismemberment.
  • USD 10,000 in medical expenses.
  • Personal effects coverage has an additional benefit with a maximum limit of USD 200,000 in New York and Washington.

Additional coverage:

For those renting in Connecticut, Indiana, Kansas, Missouri, Montana, New York, Vermont, Virginia, or Washington, PAI also includes a trip interruption benefit and provides up to USD 250,000 (USD 500,000 in New York) including expenses for rental vehicle, in case the original trip is interrupted due to illness, injury, or death of the primary driver, a travel companion, or a family member. The terms and details of the benefits may vary according to each state.

For more information, speak to one of our online operators.