Liability insurance protects against claims for injury you cause to persons or property other than yourself. It does not cover you or the rented vehicle. All Payless vehicles are covered by policies of insurance that provide coverage up to the minimums prescribed by the financial responsibility laws of the state/country in which the accident occurs. This can be as low as $10,000.

If an accident occurs, either your personal auto insurance or the Payless liability insurance, or both of them will pay the claim, depending on the law of the state/country where the accident occurred.

If you purchase and pay for Collision Damage Waiver, Payless will waive all, or a portion of, its right to collect from you for collision damage to the rented vehicle. It is not insurance. It deals only with the your obligation to pay for damage to the rented vehicle.

CDW is offered in every state except New York.

CDW is optional. You are not required to purchase CDW. Your personal auto policy may cover damage to the rented vehicle. If you do not have a personal auto policy that covers the rented vehicle, or proof of this coverage at time of rental, the Payless location can not require you to purchase CDW; however, Payless can elect not to rent to you.

CDW for trucks and larger vehicles. If you are renting a truck larger than a pick-up truck, your personal auto policy may not cover the rented vehicle. Check with your insurer if you are uncertain.

PAC/PAI is an optional service offered at participating locations only. By electing to purchase optional PAC/PAI coverage at the designated daily rate, the renter and any of his passengers are insured while operating the rental vehicle subject to the provisions of the group policy. PAC/PAI cost varies by location and may not be offered at all locations.

PEC is an optional service offered at participating locations only.
By electing to purchase optional PEC coverage at the designated daily rate, PEC provides coverage for actual cash value of personal property which the renter is traveling with, against loss or damage. When the renter has shown acceptance on the rental agreement, the renter and renter's immediate family are insured for the period of rental, subject to all provisions of the group policy. PEC cost varies by location and may not be offered at all locations.

You can purchase Supplemental Liability Insurance (SLI). If you do, your liability coverage increases to either $500,000 or $1 million combined single limit for each accident (depending on which Payless location makes the rental). This coverage greatly expands your liability protection, perhaps even beyond your own personal auto policy. Your decision whether or not to purchase this increased liability coverage can be made at the time of rental.