Which of the following is an example of what Personal Accident Insurance (PAI) covers?

Personal Accident Insurance (PAI) specifically provides coverage for individuals in the event of an accident while renting a vehicle. This type of insurance typically includes benefits for accidental death and may also cover medical expenses related to injuries sustained in an accident. Therefore, offering accidental death benefits of $100,000 for the renter aligns directly with the purpose and scope of PAI, making it the correct choice.

The other options focus on different types of risks that are not related to personal accidents. Protection against theft pertains to property coverage, not personal injury. Insurance for rental service disruptions addresses issues with the rental agreement itself rather than personal injuries incurred. Lastly, coverage for vehicle damages while parked is related to vehicle damage liability, again not connected to personal accidents. Thus, the choice that highlights accidental death benefits directly aligns with the core function of Personal Accident Insurance.