I'm researching whether I need to purchase any additional insurace, and it seems to be a bit of a minefield! I'm more than happy to sit on Google researching (i.e. not be lazy) but I still can't clear up in my head whether I'm covered or not. Also it seems that the cover legally required varies by State, but in this case I'm crossing sattes (Oregon to California) so again I'm not sure what may or may not be covered.
According to my Hertz confirmation e-mail, the following is included in my rental price:
Concession fee recovery
Loss Damage Waiver
Liability Insurance Supplement
Vehicle license cost recovery
I e-mailed my travel insurance provider in the UK asking if my normal travel insurance policy included anything, and their reply was:
"If You use any form of mechanically propelled vehicle, (e.g. car, motor cycle, moped or scooter), sail or powered boat, or an aircraft, no liability cover will apply under this policy and You must ensure that You have cover for third party injury or property damage in place.
In the event of a medical emergency you will be entitled to receive medical treatment on this policy, however no cover will apply in respect of the personal accident and personal liability sections of the policy"
So, it seems that my travel insurance will cover me if I injure myself, but there is no third party liability. However, it would seem that Hertz do cover third party liability in the 'Liability Insurance Supplement'. Is that correct, is there anything I need to check with Hertz i.e. excesses etc and how much is covered? Is there a difference between the legal amount necessary as opposed to in reality what I should be covered for? What actually is 'car rental insurance' that I see offered online - does it cover anything more than what I'm already covered for above?
At the bottom of my Hertz confirmation, it offers me 'Personal Accident Insurance / Personal Effects Coverage' for approx $7 USD per day but I think my travel insurance policy covers me in case of an accident?
Anyway, I'll leave this to the experts to clear up for me if at all possible, and thank you in advance for any time spent on replying!