Supplemental Liability Insurance

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Personal Accident Insurance And Personal Effects
Insurance
Operational Training Manual
Designed and Produced by Jim Schalberg Auto
Rental Training and Continuing Education
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Personal Accident Insurance And Personal Effects
Insurance
Consists Of Accidental Death, Accidental Medical
Expense Personal Effects Coverage And Travel
Assistance Protection
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Accidental Death
100,000.00 Accidental Death is 24 hour
protection during the term of the rental for the
Primary renter. Passengers are covered for
10,000.00 while entering, exiting or in the
rental vehicle.
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Accidental Medical Expense

• Provides For The Renter And His/Her Immediate
  Family Traveling With The Renter, 1000.00 Of 24
  Hour Accidental Medical Expense Coverage

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Personal Effects Coverage

• Personal Effects Coverage Provides Limited
  Coverage For Personal Belongings Up To 525.00
  With A 25.00 Deductible Per Claim.
• Due To Their Nature Certain Item Such As Cash
  Or Securities Are Excluded. Check The Policy
  Brochure For Exclusions

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Why Sell PAI/PEC Coverage?
Increases Your Daily Average. Profits! You
Provide Protection To The Rental Customer They
May Not Have Otherwise. Gives Foreign Renters
Protection They Otherwise May Not Be Able To Get.
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What About The Rental Car Company?
In The Event Of An Accident, PAI Will Assist In
The Payment Made To Claims From Your Injured
Renter And Can Result In Lower Loss Ratios And
Better Loss Runs PEI Protection Takes The
Burden Off Of The Rental Car Company From Claims
For Lost Or Stolen Items During The Term Of The
Rental Remember State Laws Always Prevail
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Do I Need To Be Licensed?
Some States Do Require A License To Sell Personal
Accident And Personal Effects Coverage. Some
Just Require The Owner Or Senior Management To Be
Licensed. Some States Require Your Customer
Service Representatives To Be Licensed. We Will
Let You Know The Requirements For Your State And
Assist In The Procedures.
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Offering PAI/PEC
Explain The Benefits To The Customer Have The
Brochure Available At The Counter To Answer
Questions Offer In A Plain And Simple
Manner Offer To Everyone Especially Those That
May Be Under Insured
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Be Aware Of Dangers
Do Not Oversell. When A Customer Asks Specific
Questions Hand Him/Her The Brochure That Explains
The Product. Never Refuse To Sell It Or Not
Offer It To Someone. That Could Open You Or Your
Business Up To Liability.
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Sample Script
In The Event Of An Accident You May Be
Responsible For Any Injuries Or Death Caused To
The Occupants Of The Rental Vehicle. If You Have
Liability Insurance, Your Coverage Will Stop At
The Limits Of Your Policy And You May Be
Personally Responsible For Any Excess. For
_______ Per Day You Can Purchase Personal
Accident Insurance And Personal Effects Coverage
Which Will Protect You And Your Immediate Family
For 100,000.00 Accidental Death And Up To
1000.00 In Emergency Medical Payments Are You
Interested In That Product?
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In The Event Of An Accident!
You Report The Accident As You Always Do. Have
Your Renter Contact The Police
Immediately. Complete The Claim Form And Mail It
Along With A Copy Of The Police Report To
American International Companies Accident
Health Claims Division P.O. Box 15701 Wilmington
, DE 19850-5701