B. If you do not purchase liability insurance supplement (lis) (a summary of lis coverage appears below) at the commencement of the rental and an accident results from the use of the car, your insurance and the insurance of the operator of the car will be primary. This means that hertz will not grant any defense or indemnity protection under this paragraph if either you or the operator of the car are covered by any valid and collectible automobile liability insurance, whether primary, excess or contingent, with limits at least equal to the minimum required by the applicable state financial responsibility law. If neither you nor the operator of the car have such insurance, hertz will grant you and any authorized operator of the car limited protection under the terms and conditions stated in subparagraphs 10(a) above and 10(e) below.

10(A). Within the limits stated in this subparagraph, hertz will indemnify, hold harmless, and defend you and any other authorized operators from and against liability to third parties, which by definition excludes any of your or any authorized operators’ family members related by blood, marriage or adoption residing with you or them, for bodily injury (including death) and property damage, if the accident results from the use of the car as permitted by this agreement. The limits of this protection, including owner’s liability, are the same as the minimum limits required by the automobile financial responsibility law of the jurisdiction in which the accident occurs, unless higher limits apply for the cdp number or rate plan shown on the rental record. These limits may not be adequate to fully cover your liability in the event that you are involved in an accident. This protection will conform to the basic requirements of any applicable mandatory “no fault” law but does not include “uninsured motorist,” “underinsured motorist,” “supplementary no fault” or any other optional coverage. To the extent permitted by law, hertz and you hereby waive and reject the inclusion of any such protection. If such protection is imposed by operation of law, then the limits of such protection will be the minimum required for primary liability protection by the law of the jurisdiction in which the accident occurs. Hertz warrants that the protection described in this subparagraph is primary with respect to any insurance coverage which you or an authorized operator may have.