What is Personal Accident and Personal Effects Insurance (PAI/PEC)?
Personal Accident Insurance/Personal Effects Coverage (PAI/PEC) is offered at the time of rental for an additional daily charge. If accepted, the PAI contained in the policy provides renter and renter's passengers with accidental death, accident medical expenses and ambulance expense benefits. The PEC contained in the policy insures the personal effects of the renter, additional drivers or any member of the renter's immediate family who permanently resides in the renter's household and who is traveling with the renter against risks of loss or damage. Benefits are payable in addition to any other insurance coverage the renter or passengers may have. This is a summary only. PAI/PEC is subject to the provisions, limitations and exclusions of the PAI/PEC policy underwritten by Empire Fire and Marine Insurance Company in the United States or ACE INC Insurance in Canada. 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.