Hi everyone,

I rarely rent cars but have an upcoming car rental next week with Avis... I'm a bit lost when it comes to all the addtional insurances available. Could someone clarify for me what exactly PAI and LIA insurances are and if they're needed or not?
Those 2 insurances are the only ones not included for me if I pay the rental with my Amex Centurion card. In addition, I don't know if that changes anything but I have an AVIS President's Club card (thanks to Amex obviously).

Thanks in advance and sorry for this stupid question!!