Yes, you can typically add insurance to your Hertz rental after you've started the rental period, but the process and availability depend on when and where you try to do it. The easiest and most guaranteed method is to contact Hertz directly by returning to the rental location or calling their customer service before you return the car. However, your options may be more limited compared to purchasing coverage at the counter at the start of your rental.
When you rent from Hertz, you are automatically responsible for any damage to or loss of the vehicle. The insurance products they offer transfer some of that financial risk back to them. The main types of coverage include:
- Loss Damage Waiver (LDW): This isn't technically insurance but a waiver. If you accept LDW, Hertz waives your responsibility for damage to or theft of the rental car, though you may still be responsible for loss of use.
- Liability Insurance Supplement (LIS): This provides additional liability coverage beyond the state's minimum requirements, protecting you if you injure others or damage their property.
- Personal Accident Insurance (PAI): Covers medical expenses for you and your passengers in the event of an accident.
- Personal Effects Coverage (PEC): Protects your personal belongings against theft from the rental vehicle.
A key factor is your existing coverage. Many personal auto insurance policies extend to rental cars, and some credit cards offer primary or secondary coverage if you use that card to pay for the rental and decline Hertz's LDW. You must check your specific policy's terms.
| Insurance Type | What It Covers | Key Consideration |
|---|
| Loss Damage Waiver (LDW) | Damage to or theft of the rental vehicle. | Check your credit card benefits; many provide this coverage for free if you decline LDW. |
| Liability Insurance Supplement (LIS) | Injury to others or damage to their property. | State minimums are often low; LIS provides crucial extra protection. |
| Personal Accident Insurance (PAI) | Medical bills for you and your passengers. | Often duplicates your personal health or life insurance. |
| Personal Effects Coverage (PEC) | Theft of your personal items from the car. | Your homeowner's or renter's insurance may already cover this. |
The best practice is to decide on the coverage you need before you pick up the car. But if you change your mind, act quickly. Contact Hertz as soon as possible to inquire about adding protection, as it likely cannot be added after you've returned the vehicle.
