Add $300,000 of protection

Liability Protection

Liability Insurance Supplement*

For rentals in the U.S., Liability Insurance Supplement (LIS) provides you with up to $300,000 of increased protection should bodily injury and property damage claims be made against you by people injured in an accident. LIS safeguards your insurance policy and/or your personal assets for the first $300,000 should such claims be made against you.  LIS provides uninsured/underinsured motorist coverage up to $100,000 per occurrence for combined bodily injury and/or property damage claims. Uninsured/ underinsured protection is not available in California and does not cover losses caused by the negligence of the renter or any authorized operator. LIS limits may vary in certain states, and terms and conditions apply.

Where permitted by law, no liability protection is provided under the terms of the Rental Agreement from claims of injury by others against you resulting from an accident with the rental car. Some locations provide primary protection under the Rental Agreement. However, in those situations where protection is provided by Hertz, such protection is generally no more than the minimum limits required by individual state law. (See chart for these Financial Responsibility Limits). For these reasons, some people feel more comfortable traveling with additional liability protection. That is why Hertz makes the Liability Insurance Supplement (LIS) option available to you. Here are some facts you should know:

  • LIS provides coverage for you and other authorized operators of your rental vehicle for third party liability claims.
  • If purchased, LIS will provide protection before your personal policy and provides for up to the first $300,000** of coverage for combined bodily injury and/or property damage claims per occurrence in all states.
  • LIS provides uninsured and underinsured motorist coverage for bodily injury up to $100,000 per accident. Uninsured/ underinsured protection is not available in California and does not cover losses caused by the negligence of the renter or any authorized operator.

** Represents a combined total of the state limit where the accident occurred, plus LIS. 

Does LIS Coverage Apply Everywhere?

You and authorized drivers are covered while driving the rental car within the United States and Canada, but only if the car is rented in the U.S. Coverage does not apply in Mexico.

Does My Personal Policy Provide Liability Coverage?

You may not need the automobile insurance offered by Hertz. Your personal automobile insurance policy may provide coverage for your liability while operating a rental vehicle. The purchase of automobile rental liability insurance is not required as a condition of renting an automobile.

The terms of different automobile and umbrella policies vary greatly. Because LIS may provide a duplication of coverage already provided by your personal policy, it is recommended that you check your policy or consult your insurance agent or insurer. But remember that in most cases, before any coverage by your own policy would be applied to a claim, the protection provided under the Rental Agreement and LIS, if you accept it, would first have to be exhausted. Keep in mind that claims against your personal policy can often result in premium increases or even lead to cancellation.

What About Credit Card Coverage?

We suggest you check as to the types and extent of coverage being offered. Credit card insurance may not cover third party liability claims or may be supplemental and only reimburse you for amounts not covered by any other insurance.

What Happens if I Damage Someone Else's Property with a Hertz Rental Car?

If purchased, Liability Insurance Supplement will provide coverage before your personal policy for third party liability claims, up to a limit of $300,000 per accident.

Exclusions

There are exclusions to this coverage, including without limitation:

  • If LIS is not accepted at commencement of the rental or if you fail to pay the charges for your rental.
  • If you permit the use of the car by anyone other than you or an authorized operator, or if you or an authorized driver otherwise violate the Rental Agreement, including, but not limited to, operating the car recklessly, wantonly, or while legally intoxicated or under the influence of alcohol, drugs or other absorbed elements, for any purpose that could properly be charged as a crime, to tow or push anything, in a speed or racing contest or demonstration, to carry persons or property for hire, or to carry hazardous materials.
  • If the car or LIS coverage was obtained by fraud or misrepresentation.
  • LIS is third-party liability coverage only, except as pertaining to Uninsured/Underinsured Motorist Coverage (if applicable).
  • Except where required by law, LIS does not cover personal injury to you or any authorized operator of the rental car or to your or their family members who are related by blood, marriage or adoption and reside in your or their household.

FAQs

You and authorized drivers are covered while driving the rental car within the United States and Canada, but only if the car is rented in the U.S. Coverage does not apply in Mexico.

You may not need the automobile insurance offered by Hertz. Your personal automobile insurance policy may provide coverage for your liability while operating a rental vehicle. The purchase of automobile rental liability insurance is not required as a condition of renting an automobile.

The terms of different automobile and umbrella policies vary greatly. Because LIS may provide a duplication of coverage already provided by your personal policy, it is recommended that you check your policy or consult your insurance agent or insurer. But remember that in most cases, before any coverage by your own policy would be applied to a claim, the protection provided under the Rental Agreement and LIS, if you accept it, would first have to be exhausted. Keep in mind that claims against your personal policy can often result in premium increases or even lead to cancellation.

We suggest you check as to the types and extent of coverage being offered. Credit card insurance may not cover third party liability claims or may be supplemental and only reimburse you for amounts not covered by any other insurance.

If purchased, Liability Insurance Supplement will provide coverage before your personal policy for third party liability claims, up to a limit of $1 million per accident ($300,000 effective as of January 1, 2025).

There are exclusions to this coverage, including without limitation:

  • If LIS is not accepted at commencement of the rental or if you fail to pay the charges for LIS.
  • If you permit the use of the car by anyone other than you or an authorized operator, or if you or an authorized driver otherwise violate the Rental Agreement, including, but not limited to, operating the car while legally intoxicated or under the influence of alcohol, drugs or other absorbed elements, for any purpose that could properly be charged as a crime, to tow or push anything, in a speed or racing contest or demonstration, to carry persons or property for hire, or to carry hazardous materials.
  • If the car or LIS coverage was obtained by fraud or misrepresentation.
  • LIS is third party liability coverage only, except as pertaining to Uninsured/Underinsured Motorist Coverage (if applicable).
  • Except where required by law, LIS does not cover personal injury to you or any authorized operator of the rental car or to your or their family members who are related by blood, marriage or adoption and reside in your or their household.

LIS coverage will automatically attach to the claim once you have properly reported the accident in accordance with the Rental Agreement.

The following chart lists the Automobile Financial Responsibility Limits of the various states for liability for bodily injury to each individual third party / liability for bodily injury to all such individuals / liability for third party property damage (limit is number shown multiplied by $1,000). Hertz is not required to provide such minimum protection in all states. 

  • Alabama: 25/50/25
  • Alaska: 50/100/25
  • Arizona: 15/30/10
  • Arkansas: 25/50/25
  • California: 30/60/15
  • Colorado: 25/50/15
  • Connecticut: 25/50/25
  • Delaware: 25/50/10
  • Dist. of Columbia: 25/50/10
  • Florida: 10/20/10
  • Georgia: 25/50/25
  • Hawaii: 20/40/10
  • Idaho: 25/50/15
  • Illinois: 50/100/50
  • Indiana: 25/50/25
  • Iowa: 20/40/15
  • Kansas: 25/50/25
  • Kentucky: 25/50/25
  • Louisiana: 15/30/25
  • Maine: 50/100/25
  • Maryland: 30/60/15
  • Massachusetts: 20/40/5
  • Michigan: 50/100/10
  • Minnesota: 30/60/10
  • Mississippi: 25/50/25
  • Missouri: 25/50/25
  • Montana: 20/50/20
  • Nebraska: 25/50/25
  • Nevada: 25/50/20
  • New Hampshire: 25/50/25
  • New Jersey: 25/50/25
  • New Mexico: 25/50/10
  • New York: 25*/50*/10 *Death: 50/100
  • North Carolina: 30/60/25
  • North Dakota: 25/50/25
  • Ohio: 25/50/25
  • Oklahoma: 25/50/25
  • Oregon: 25/50/20
  • Pennsylvania: 15/30/5
  • Rhode Island: 25/50/25
  • South Carolina: 25/50/25
  • South Dakota: 25/50/25
  • Tennessee: 25/50/25
  • Texas: 30/60/25
  • Utah: 25/65/15
  • Vermont: 25/50/10
  • Virginia: 30/60/20
  • Washington: 25/50/10
  • West Virginia: 25/50/25
  • Wisconsin: 25/50/10
  • Wyoming: 25/50/20

*Liability Protection up to $2,000,000 available in California and Florida.