you are responsible for all damage to the car, whether you consider it your fault, or not.
some cards will cover you on damage, or you might be covered through your own insurance -- which would involve filing a claim.

if you want to get out from under this responsibility, hertz will sell you a damage waiver, shifting responsibility for the damage to them.
there's some cap on this, so if you total the car it's probably not covered.

https://www.hertz.com/rentacar/produ...nited%20States