the following subparagraph (b) applies for all rentals in the united states other than those noted in subparagraph (a) and other than rentals commencing in california.

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.