These types of car rental insurance coverage are usually offered while you're waiting at the car rental counter. Many of these may be covered with your personal or corporate auto and health insurance coverage.
Personal Accident Insurance Coverage (PAI) goes into effect if you get into an accident. PAI coverage will provide a one-time payment for you or a passenger in case of death, injury or maiming.
CDW/LDW
CDW or LDW waives the right of a rental car company to recover money from the renter if the vehicle is damaged or stolen while in your possession. However, third-party damages incurred to someone else's car during your rental are not covered. This type of accident is normally covered by your own auto insurance. But some CDW's will become void if you drive in a negligent manner or drive out of the state where you rented the car if geographical restrictions apply.
Personal Property Insurance/Personal Effects Coverage (PEC)
Personal Property Insurance/Personal Effects Coverage (PEC) pays you when you have something stolen from your car. Get it if you are traveling with high-value items.