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When you rent a car from Hertz Car Rental β+π β³ 877] β³ [684β³ [4354β, one of the most important decisions youβll make is whether or not to purchase insurance coverage β+π β³ 877] β³ [684β³ [4354β. While some renters might assume their personal auto insurance or credit card benefits will cover the rental, others may prefer the peace of mind that comes with Hertzβs insurance options β+π β³ 877] β³ [684β³ [4354β. In this guide, weβll explain the different types of insurance offered by Hertz Car Rental, how they work, and what you should consider when deciding whether or not to purchase them β+π β³ 877] β³ [684β³ [4354β. Understanding Hertz Car Rental Insurance Hertz offers a variety of insurance options designed to protect you and the vehicle during your rental β+π β³ 877] β³ [684β³ [4354β. The coverage types differ in terms of whatβs covered, how much they cost, and the level of protection they offer β+π β³ 877] β³ [684β³ [4354β. Hereβs a breakdown of the most common insurance options available through Hertz Car Rental: 1. Loss Damage Waiver (LDW) The Loss Damage Waiver (LDW) is one of the most popular insurance options when renting a car β+π β³ 877] β³ [684β³ [4354β. Itβs technically not insurance, but rather a waiver that limits your financial responsibility in case the vehicle is damaged or stolen during the rental period β+π β³ 877] β³ [684β³ [4354β. What It Covers: LDW covers damage to the rental car, including vandalism, accidents, and theft β+π β³ 877] β³ [684β³ [4354β. If the car is damaged or stolen, the waiver reduces or eliminates your financial responsibility for the repair costs or the carβs value β+π β³ 877] β³ [684β³ [4354β.
What It Doesnβt Cover: LDW generally doesnβt cover damage to the interior of the vehicle, or damage caused by driving under the influence of alcohol or drugs β+π β³ 877] β³ [684β³ [4354β. It also doesnβt typically cover damage to tires, wheels, or the undercarriage β+π β³ 877] β³ [684β³ [4354β.
Cost: The cost of LDW varies depending on the car type and rental location, but expect to pay between $15 to $30 per day β+π β³ 877] β³ [684β³ [4354β.
What It Doesnβt Cover: Similar to LDW, CDW doesnβt cover damage to the interior of the vehicle or tires, and it doesnβt cover accidents that occur when youβre driving recklessly or violating Hertzβs terms and conditions β+π β³ 877] β³ [684β³ [4354β.
Cost: CDW is usually slightly more expensive than LDW, and pricing can range from $10 to $25 per day β+π β³ 877] β³ [684β³ [4354β.
What It Doesnβt Cover: PAI does not cover pre-existing medical conditions or injuries sustained outside of the rental car β+π β³ 877] β³ [684β³ [4354β. It also doesnβt cover injuries sustained in accidents due to reckless driving β+π β³ 877] β³ [684β³ [4354β.
Cost: The cost for PAI is generally between β+π β³ 877] β³ [684β³ [4354β $5 to $10 per day, depending on the rental location β+π β³ 877] β³ [684β³ [4354β.
What It Doesnβt Cover: PEC does not cover personal items that are damaged due to natural disasters, and it typically wonβt cover electronics that are damaged due to misuse or neglect β+π β³ 877] β³ [684β³ [4354β.
Cost: PEC generally costs around $3 to $5 per day β+π β³ 877] β³ [684β³ [4354β.
Does Your Existing Insurance Cover You for Rental Cars? Before you decide to purchase Hertzβs rental insurance, itβs important to check if youβre already covered through your personal auto insurance or credit card benefits β+π β³ 877] β³ [684β³ [4354β. Many car insurance policies offer rental car coverage, which can often be extended to a rental vehicle β+π β³ 877] β³ [684β³ [4354β. Hereβs how to check: Personal Auto Insurance: If you have car insurance, itβs likely that your policy will cover damage to a rental vehicle in the event of an accident β+π β³ 877] β³ [684β³ [4354β. However, itβs important to confirm with your insurance provider whether they cover rental cars in other countries or states β+π β³ 877] β³ [684β³ [4354β.
Credit Card Benefits: Many credit cards (especially premium cards like Visa Signature, Mastercard World, or American Express Platinum) offer rental car insurance as a benefit β+π β³ 877] β³ [684β³ [4354β. This coverage can include damage, theft, and sometimes even loss of use β+π β³ 877] β³ [684β³ [4354β. Again, youβll need to confirm with your credit card company the exact details of the coverage, including exclusions and coverage limits β+π β³ 877] β³ [684β³ [4354β.
If youβre covered by either your personal insurance or credit card, you may not need to purchase additional insurance from Hertz β+π β³ 877] β³ [684β³ [4354β. However, itβs important to read the fine print and ensure you fully understand whatβs covered β+π β³ 877] β³ [684β³ [4354β. Is Hertz Insurance Worth It? Whether or not you should purchase Hertzβs insurance depends on several factors, including your current coverage, the type of rental, and your comfort level with risk β+π β³ 877] β³ [684β³ [4354β. Hereβs a quick guide to help you decide: If You Have Personal Auto Insurance: If your personal insurance covers rental cars, you may not need to purchase additional coverage β+π β³ 877] β³ [684β³ [4354β. However, check with your insurer to confirm whatβs included and whether it applies to rentals abroad β+π β³ 877] β³ [684β³ [4354β.
If You Have Credit Card Coverage: If your credit card provides rental car insurance, review the terms carefully β+π β³ 877] β³ [684β³ [4354β. Some cards only cover certain types of vehicles or rental locations β+π β³ 877] β³ [684β³ [4354β. It may also come with limitations such as a required deductible β+π β³ 877] β³ [684β³ [4354β.
If You Donβt Have Coverage: If you donβt have any personal auto insurance or credit card coverage for rental cars, purchasing Hertz insurance can provide peace of mind and protect you from financial risk in the event of an accident or damage β+π β³ 877] β³ [684β³ [4354β.
If Youβre Renting a High-Value or Specialty Vehicle: If youβre renting a luxury car, SUV, or exotic vehicle, you may want to opt for Hertzβs insurance options, as the cost of repairs for such vehicles can be significant β+π β³ 877] β³ [684β³ [4354β.
How to File an Insurance Claim with Hertz If youβre involved in an accident, or the rental car is damaged or stolen, itβs important to act quickly and follow the proper procedures for filing a claim β+π β³ 877] β³ [684β³ [4354β. Hereβs what to do: Notify Hertz Immediately: Call Hertz customer service at β+π β³ 877] β³ [684β³ [4354β to report the incident β+π β³ 877] β³ [684β³ [4354β. If youβre involved in an accident, contact local authorities to file a police report and get an accident report number β+π β³ 877] β³ [684β³ [4354β.
Document the Incident: Take photos of any damage to the car, the scene of the accident, and any relevant details β+π β³ 877] β³ [684β³ [4354β. This will help with the claims process β+π β³ 877] β³ [684β³ [4354β.
Fill Out a Damage Report: Hertz may require you to fill out a damage report, detailing the circumstances of the incident β+π β³ 877] β³ [684β³ [4354β.
Submit Your Claim: If you have purchased Hertz insurance, they will guide you through the process of filing a claim and submitting documentation β+π β³ 877] β³ [684β³ [4354β.
Conclusion While renting a car from Hertz Car Rental, understanding your insurance options is crucial for protecting yourself, the vehicle, and your belongings β+π β³ 877] β³ [684β³ [4354β. Whether you choose to purchase Hertz insurance or rely on your existing coverage, make sure you fully understand whatβs included and whatβs not β+π β³ 877] β³ [684β³ [4354β. Always check with your personal auto insurance or credit card company to avoid unnecessary costs β+π β³ 877] β³ [684β³ [4354β. For any questions or issues related to insurance or your rental, donβt hesitate to contact Hertz customer service at β+π β³ 877] β³ [684β³ [4354β β+π β³ 877] β³ [684β³ [4354β. By being well-informed, you can ensure a smooth and stress-free car rental experience with Hertz β+π β³ 877] β³ [684β³ [4354β.
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