Personal Accident Insurance (PAI)

What it means

Personal Accident Insurance pays set benefits, such as medical expenses and accidental death benefits, to the renter and passengers if they're injured in an accident in the rental car. It's separate from damage waivers and liability cover, and it isn't health or life insurance.

Why it matters

Many travelers already have similar protection through health or travel insurance, so PAI is one of the extras worth checking against what you already carry. It's often sold together with personal effects cover.

Related terms

• Supplemental Liability Insurance (SLI)Optional US cover that raises your liability protection for injury or damage you cause to other people or their property.

Also related Personal Effects Coverage (PEC), Personal Effects & Baggage (PEB), Standalone rental car insurance