Hertz will provide secondary liability protection from claims of injury by others against you resulting from an accident with the rental car. Your personal/business insurance is primary to the minimum state limits. In the event there is no applicable liability protection, Hertz, by default, becomes primary.
However, Hertz makes available additional liability protection, which is primary, if the optional Liability Insurance Supplement, LIS, is purchased.
Loss Damage Waiver (LDW)
In most states, in the event of any other loss or damage to the car, regardless of fault, your financial responsibility extends to the full value of the car at the time of rental, less its salvage value, plus expenses for towing, storage impound fees, an administrative fee and a reasonable charge for loss of use. If your responsibility differs in the state in which you rent, it will be stated in Paragraph 4, of the Rental Agreement. In California, in the event of any loss or damage to the car regardless of fault, your financial responsibility will in no event exceed the fair market value, plus actual charges for towing, storage, impound fees, and an administrative fee. In California and Nevada, your responsibility for loss or damage to the car from vandalism unrelated to theft will not exceed USD 500.00 in California and USD 2,500.00 in Nevada and you are not responsible for theft, regardless of purchasing LDW, unless the theft results from your fault.. In Illinois, your responsibility for loss or damage for any cause other than theft is limited to USD 15,500.00. Loss or damage related to theft is limited to USD 2,000.00, unless the theft results from your fault. In New York, your financial responsibility shall not exceed (i) the actual and reasonable costs that Hertz incurs to repair the car, including costs for towing, storage and impound fees or that Hertz would have incurred if the car was repaired or (ii) the fair market value of the car immediately before the damages occurred, as determined by the applicable market for the retail sale of the car less disposal proceeds. Your responsibility for theft of the car shall not exceed the reasonable costs incurred by Hertz for loss due to theft up to its fair market value, if it is established that you or any authorized operator failed to exercise reasonable care or aided or abetted in the theft.