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Car Hire - How do I top up my insurance

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Hi guys

Really hoping someone can help. I was listening to Radio 4 yesterday and a rather concerning topic came up on the BBC Radio 4 Programme You and Yours concerning car hire in Florida by a Brit and the tragic consequences thereafter. You can find it on the BBC i-player by searching for Florida Loophole first broadcast on 15/07/2010.

In summary, the Brit who hired a car in florida got bumped by a US drunk driver and is now tragically paralysed. Unlike in the UK where we have unlimited payout from third party cover, this appears not to be the case in the US and he stands to receive only $10,000 in Personal Accident Insurance.

I rang my travel insurance company today to see if I can top this limit up and have been told that this isn't possible. Equally if I apply for new PAI cover, it invalidates my travel insurance?

Any ideas or advice would be gratefully received!
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