Originally Posted by
guv1976
What are you planning to do about third-party liability insurance? Do you have a non-owned-auto liability-insurance policy?
For LDW coverage, have you considered getting a no-annual-fee Amex card, and then enrolling in Amex's Premium Car Rental Insurance program? For $24.95 or less per rental (not per day), you'll get loss/damage coverage on the rental car. A few things are not covered, but it might be a good option in your situation.
Isn't the rental car rate includes the BASIC 3rd party liability coverage already?
I agree on AMEX coverage, EXCEPT, IIRC AMEX only requires you pay at least one day of rental with AMEX card (not just the taxes and fee), OP here wants to use Hertz points for the whole rental rate - the AMEX insurance may not help in the OP situation at all if the rental cost before taxes and fee are entirely paid with Hertz award points.