The rental car industry is proficient in creating insurance coverage options few renters should purchase but with some sense of importance in the title. One of those options is Personal Accident Insurance (PAI) which is often paired with the Personal Effects Coverage (PEC) we've addressed previously. At the most basic level, Personal Accident Insurance covers the occupants of the rental car in case of vehicular accidents, whether those result in injury or fatality. Like other forms of insurance offered by the rental car companies, it's expensive, the terms and conditions limit the actual coverage, and it's primarily just a profit center for the rental car company. Most renters discover that the insurance offering also happens to be entirely duplicative of coverage held elsewhere!