Originally Posted by
klanfa
Directly from Hertz T&C (some states excluded): "Hertz' liability protection is secondary to any other insurance coverage available to you. If you do not have liability insurance and/or the limits of liability of the insurance coverage available to you are not sufficient to cover claims by others against you, and Hertz, as the vehicle owner, provides liability protection due to an accident, you will indemnify Hertz for any and all payments made."
That Hertz indemnity claim may be materially meaningless to renters without liability insurance when the amount of claimed damages/injury from the other parties to an accident is at or below the state minimum amounts mandated by law and applicable to rental car owners. Also, there is a reason why the supplemental liability insurance sold as an optional product by Hertz too is not labeled merely as “liability insurance” in most states in the US. State insurance commissioners’ offices and those who’ve worked as lawyers for or against Hertz know that not everything claimed in corporate terms and conditions is enforceable in all jurisdictions of relevance.