Personal Accident Insurance (PAI): Key Facts

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.

RentalCover.com 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 to $5,000
Ambulance Coverage	$250 to $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.

		Rental Companies	Credit Cards
Price per day	$20	$70-90	N/A
Total Coverage Amount	AU$100,000	Car value minus exclusions	Car value minus exclusions
Single Vehicle accidents
Multiple vehicle accidents		Sometimes	Sometimes
Theft, fire & vandalism		Sometimes	Sometimes
Towing, lockout & keys		Extra cost	Sometimes
Windscreen & highlights		Extra cost	Extra cost
Tyres & underbody
Standard liability or excess	$0	$4,000-6,000, usually fixed cost	$5,000-10,000, + smaller claim excesss
Accident related Fees	All fees covered	Minimum $50-100	Certain fees often excluded from cover

Personal accident insurance (PAI): Key facts

What is the standard level of coverage?

How does the claim process work?