What is your responsibility?
In most states in USA, when you rent a car, you are responsible for any and all loss or damage to the car resulting from any cause, including but not limited to, collision, rollover, theft, vandalism, seizure, fire flood, hail or other acts of nature or God regardless of fault.
In most states, in the event of any loss or damage to the car, regardless of fault, your financial responsibility extends to the full value of the car at the time of rental, less its salvage value, plus expenses for towing, storage impound fees, an administrative fee and a reasonable charge for loss of use. In California and Nevada, your responsibility for loss or damage to the car from vandalism unrelated to theft will not exceed $500 and you are not responsible for theft, regardless of purchasing LDW, unless the theft results from your fault. In Illinois, your responsibility for loss or damage related to theft is limited to $2000, unless the theft results from your fault.
Loss Damage Waiver (LDW)
LDW, which is not insurance, means that you will not be held responsible for damage to the car in the event that any damage should occur, provided the loss or damage was not the result of any prohibited use of the car.
Liability Insurance Supplement (LIS)
Liability Insurance Supplement (LIS) provides you with up to $1 million of increased protection should bodily injury and property damage claims be made against you by people injured in an accident. LIS safeguards your insurance policy and/or your personal assets for the first $1 million should such claims be made against you. LIS also provides you with up to $100,000 in coverage for combined bodily injury and/or property damage claims, should you be harmed by an uninsured/underinsured driver. LIS is primary protection to your personal policy and provides for the first $1,000,000** of coverage for combined bodily injury and/or property damage claims for each occurrence. (Note - Hawaii has an extended LIS option of $2,000,000).
Personal Accident Insurance (PAI)
Personal Accident Insurance (PAI) or Personal Protection, can be purchased at the counter for U.S. rentals but is included in our Super Protection for Europe rentals. This insurance provides you with coverage not to exceed $2,500 in accidental medical expense benefits for treatment of an injury sustained as a result of an accident during the rental period and rendered within 90 days. In the event of your accidental death from an injury sustained during your rental term, PAI provides your beneficiary with a benefit not to exceed $175,000 along with more limited benefits for your passengers.**
Personal Effects Coverage (PEC) offered as a package with PAI provides:
PAI benefits described, plus coverage not to exceed $1,800 for personal effects (yours and those belonging to immediate family members traveling with you) which incur a covered loss or are damaged while renting from the car rental company. Payment on such a claim will be made to you regardless of whether you already carry similar coverage such as a Homeowner's policy.