Which coverage does PAI specifically NOT provide for renters or passengers?

PAI, or Personal Accident Insurance, specifically covers certain aspects related to medical expenses and accidental death for individuals in a rented vehicle, but it does not extend to property damage expenses. This type of insurance is designed primarily to provide benefits such as accidental death benefits, ambulance expenses, and accidental medical expenses to the insured individuals, ensuring that their medical needs are covered in the event of an accident.

Property damage expenses, however, relate to damages inflicted on vehicles or property belonging to others, which is the responsibility of auto liability coverage rather than personal accident insurance. Therefore, it's essential for renters or passengers to understand that while they may be protected for injuries sustained during an accident, any damage to physical property is not covered under PAI. This distinction is crucial in assessing what type of insurance is necessary when renting a vehicle.