Do you need Personal Accident Insurance when renting a car?

When booking a car rental, we recommend that you opt for Personal Accident Insurance to get the protection you and your passengers need in case of an accident. This guide will give you an insight into what Personal Accident Insurance covers, how it differs from other insurance options and why you should consider it when renting a car from Hertz.

What is Personal Accident Insurance (PAI) in car rental?

Personal Accident Insurance (PAI) is an optional insurance policy that covers accidental death and accidental medical expenses for you and your passengers during the rental period of the vehicle.

Personal Accident Insurance can provide the following insurance coverage:

• The death benefit is up to $175,000 for the renter and $17,500 for each passenger.
• The medical coverage limit can go up to $2,500.
• The ambulance benefit is $250.

As this type of insurance is not liability insurance, it’s important to note that it doesn’t cover damages to another person’s property or injuries to another person caused by yourself.

PAI can be a useful option for renters who don't have personal health insurance or who have limited coverage. The cost of PAI is calculated on a daily basis and it depends on the location and rental period. You can check the exact cost with your Hertz counter representative at the time of booking or rental.

Why choose PAI when renting a car?

Adding personal accident cover when renting a car can provide peace of mind and financial protection in case of an accident.

The benefits of purchasing PAI from Hertz include:

Additional protection

While your personal auto insurance or credit card may cover damages to the rental car, they may not provide coverage for injuries sustained in an accident. PAI can help provide additional coverage for medical expenses resulting from an accident.

Peace of mind

Accidents can happen at any time, and it can be difficult to predict the level of coverage you will need. By purchasing PAI, you can have peace of mind knowing that you are covered in case of an accident.

Affordable

The cost of PAI is relatively inexpensive and can provide significant coverage in case of an accident. The cost of PAI may vary depending on the rental location, duration and the level of coverage chosen, but it can be less expensive than medical insurance or hospital bills that may result from an accident.

Quick and easy claims process:

In the event of an accident, Hertz's PAI offers a quick and easy claims process. You can file a claim directly with Hertz and they will work with you to process your claim as quickly as possible. Download a PAI claim form.

Other car rental insurance options at Hertz

We also offer other insurance options designed to give you complete assurance when on the road. These include:

• Liability Insurance Supplement (LIS)
• Collision Damage Waiver (CDW)
• Personal Effects Coverage (PEC)

Personal accident insurance is a supplementary insurance option that can provide additional coverage beyond the options above, protecting yourself, your passengers, and your finances if the worst happens.

The value of PAI over additional policies is that it covers accidents resulting in injury or death, which you and your estate would otherwise be responsible for.

Before making a decision, we advise you carefully review the terms and conditions of all insurance options.

Learn more about the exclusions of PAI.

Now you know more about PAI, consider adding it to your next car rental for complete protection, whether you’re going on a short trip or thinking about purchasing a car and wish to test drive it with Hertz beforehand.

Read more about additional cover plans available with Hertz.