Personal Accident Insurance

Accidental Death provides 24-hour accident protection to the primary Renter or Sharer and their immediate family for a death while traveling in the Rented or Shared Vehicle during the entire period of the Rental Agreement. Passengers are protected only while in, boarding, or alighting from the designated vehicle.

Coverage Amounts:

  • Renter Loss of Life: $50,000
  • Passenger Loss of Life: $5,000

Accidental Medical Expense

Accidental Medical Expense provides You, Your passengers, and Your immediate family with $1,000.00 of 24-hour accidental medical expense coverage while in, boarding, or alighting from the designated vehicle for emergency medical expenses and ambulance fees.

Personal Effects Insurance

Personal Effects Coverage provides limited coverage for Your personal belongings from loss or damage caused by theft of, damage to, or accident involving your Rental or Shared Vehicle. Personal Effects Coverage provides reimbursement for the actual cash value of the items subject to certain maximums, deductibles, limitations, and exclusions.

Personal Effects Coverage protects Your personal belongings as the primary Renter or Sharer and those of Your immediate family traveling with You. The maximum Personal Effects Coverage Amount per rental contract is $525.00, which is subject to a per claim deductible of $25.00. The aggregate limit is $500 per rental contract. Coverage is subject to one claim per rental contract period.

The items not covered are: securities, currency, deeds, artificial teeth or bridges, documents, tickets, eyeglasses/contact lenses, prosthetic limbs, automobiles, automobile equipment, animals, motorcycles, motorcycle equipment, motorized boats, motors, other conveyances, perishables, bullion, household furniture.

Loss or damage occurring through wear and tear or gradual deterioration, insects or vermin, inherent vice or damage, and "mysterious disappearance" are not covered.

Coverage Definitions

  • Named Warranty Holder: is the Rental Agency that provides the renter the vehicle and as further defined in the policy.
  • Certificate Holder: is the person shown on the rental contract or any other Authorized Driver as named on the rental contract. All other drivers are excluded.
  • Rental Start Date: is the start date as shown on the original Rental Agreement and must coincide with the selection of PAI/PEI.
  • Rental Return Date: is the date listed on the original Rental Agreement or the date the vehicle is actually returned.
  • Exotic Vehicle(s): includes vehicles valued at over $50,000, including but not limited to: Bentley, Ferrari, Lamborghini, Lancia, Lotus, Maserati, Pininfarina, and Rolls Royce, and are excluded.

Subject to full contract wording. Conditions and exclusions apply. The purchase of any of the insurance or warranty described in this brochure is not required in order to rent a vehicle. Acceptance is proof of coverage under the policy as issued.

STATE LAW

Remember state laws may prohibit or modify the optional products offered. Any offer or description of benefits is void where prohibited by law.

Exclusions

Vehicles used for hire, used while under the influence of drugs (even prescription drugs), committing unlawful acts, participating in motor sports or motor racing or practice, or used for commercial purposes.

Further Exclusions:

If You violate the terms/conditions or use restrictions of the rental agreement, coverage is void and no coverage is provided. This includes use of the vehicle by an unauthorized person, which is anyone not listed on the original rental agreement as renter or authorized driver.

For bodily injury or property damage sustained by You or Your relatives, as defined, residing with You or by any authorized driver and/or relatives residing with them. This exclusion does not apply to Personal Accident Insurance.

For liability, injury to third parties or damage to their property, or uninsured motorist, underinsured motorist first-party benefits, no-fault, supplemental no-fault or other liability insurance that is optional or can be waived or rejected. When accepting coverage, You agree to waive or reject, to the extent allowed by law, any such insurance.

If You fail to accept any of the coverage prior to the “Rental Start Date” on the original Rental Agreement.

If there is a failure to pay the charges due and if the vehicle is obtained through misrepresentation. If the vehicle is a restricted or “Exotic Vehicle”.

If similar coverage is afforded by any valid and collectible insurance or warranty other than a personal auto policy of the renter.

For fines, penalties, punitive, or exemplary damages.

Suicide or any attempt while sane, intentionally self-inflicted injuries or any attempt at it; sickness, disease or bacterial infection; infections which occur as a result of an injury; bacterial infection; attempt to commit a felony; participation or engaging in an act of violence, civil disobedience, civil disorder, riot or insurrection; injury sustained while the covered person is riding in or on any aircraft; hernia unless resulting from a covered accident; participation in professional team sports or other professional athlete activities; being under the influence of any intoxicant or narcotic unless administered on the advice of a physician; dental treatment except as the result of injury to sound natural teeth; replacement eyeglasses or eye examination for the correction of vision; pregnancy or complications thereof or resulting childbirth.