Personal Accident and Personal Effects Insurance: United States

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What is Personal Accident Insurance and Personal Effects Insurance (PAI/PEI)?

PAI/PEC - US Only

Personal Accident Insurance / Personal Effects Coverage (PAI/PEC): US(Where available): If selected and paid for, PAI provides Renter and Renter's passengers with Accidental Death, Accident Medical Expenses and Ambulance Expense benefits. PEC insures the personal effects of Renter, or any member of Renter's immediate family who permanently resides in Renter's household and who is traveling with Renter, against risks of loss or damage while in transit or in a building, (other than your personal residence) or locked in the Vehicle. PAI & PEC are available for an additional charge as stipulated on page 1 of the Rental Agreement. "Renter" is the person who signs the Rental Agreement as Renter.

PAI Benefits

Renter

Passenger

Accidental Death, not to
exceed

$175,000
$250,000 (NY and FL only)
$100,000 (MN only)

$17,500
$125,000 (NY and FL only)
$10,000 (MN only)

Accident Medical
Expenses, not to exceed  


$2,500
$3,500 (MN only)


$2,500
$3,500 (MN only)

Accident Ambulance
Expense, not to exceed


$250
$150 (MN only)


$250
$150 (MN only)

Accident Aggregate, not to exceed $225,000 per accident. (For rentals commencing in NY and FL the aggregate is $500,000 and for rentals commencing in MN the aggregate is $130,000.)

The above PAI benefits for Renter apply to accidents during the Rental Period whether or not Renter is in Vehicle. Passengers are covered only for accidents occurring while they occupy Vehicle. Anyone other than Renter occupying or operating Vehicle shall be considered a "Passenger" for the purposes of PAI benefits

PEC Benefits

$600 per person; $1,800 maximum coverage for all covered individuals during the Rental Period. PEC benefits apply to personal effects belonging to Renter, or any member of renter's immediate family who permanently resides in Renter's household and who is traveling with Renter, against risks of loss or damage while in transit or in a building, (other than your personal residence) or locked in the Vehicle.

PAI & PEC Exclusions:

PAI shall not cover any death or injury caused wholly or partly, directly or indirectly by suicide, attempted suicide, or self inflicted injury; aircraft travel, except as a passenger in a licensed aircraft on a regularly scheduled flight; committing or attempting to commit a criminal offense; an accident which occurs while under the influence of alcohol or narcotics, unless prescribed by a physician; an accident which occurs while participating in a prearranged or organized race or testing of a vehicle; war or any act of war; or engagement in an illegal occupation; nor shall this insurance be in effect if Renter converts Vehicle or during any period Renter is in violation of the Rental Agreement. Renter shall be deemed to have converted Vehicle whenever Vehicle is not returned to the Owner by the return date or by the extended return date. PEC shall not cover automobiles, automobile equipment, motorcycles, watercraft, motors, or other conveyances or their appurtenances, furniture, currency, coins, deeds, bullion, stamps, tickets, securities, documents, contact lenses, artificial teeth and limbs, perishables and animals. Loss or damage to property while actually being worked upon, or while in the care, custody or control of any common carrier are also not covered.

THE POLICY DOES NOT COVER LOSS BY MYSTERIOUS DISAPPEARANCE. ALL LOSSES BY THEFT MUST BE REPORTED TO THE APPROPRIATE LAW ENFORCEMENT AUTHORITIES OR THEY WILL NOT BE COVERED.

To file PAI/PEC claims, obtain a claim form from any rental office of Owner, complete it and return it with a copy of the Rental Agreement to: Xchanging, P.O. Box 94950, Cleveland, OH 44101-4950 Phone: 1 888 515-3132 Fax: 1-440-914-2903

The purchase of PAI/PEC is optional and not required to rent a car.

The coverage provided by PAI/PEC may duplicate the renter's existing coverage. Alamo is not qualified to evaluate the adequacy of the renter's existing coverage; therefore the renter should examine his or her personal insurance policies or other sources of coverage that may duplicate the coverage provided by PAI/PEC.

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