Personal Protection

Peace of mind with the Personal Protection Package.



Personal Protection - Hertz

Hertz offers a 24/7 Personal Protection Package that includes both Personal Accident Insurance (PAI) and Personal Effects Coverage (PEC):

  • Personal Accident Insurance for up to $2,500 for accidental medical expenses*
  • Personal Effects Coverage for up to $600/passenger for up to $1,800
*See FAQ's for more details



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FAQs about Personal Accident Insurance.


What does Personal Accident Insurance cover?
Personal Accident Insurance covers you for up to $2,500 for any accidental injuries during the rental, whether or not you’re in the car. Passengers in the car at the time of an accident are also covered.


What if I'm Injured in an accident while driving my rental car?
If you’re injured in an accident in your rental, please report the accident within 90 days of the accident. Once you’ve reported the accident, you will be covered for up to $2,500 for accidental medical expenses. Plus, Personal Accident Insurance provides $175,000 for your beneficiary in the event of your accidental death.


Are there exclusions to Personal Accident Insurance?
Yes, there are exclusions. Benefits are not paid for any loss caused directly or indirectly by:

  • Intentional self-inflicted injury, suicide, or any attempted suicide
  • Aircraft travel
  • Committing or attempting to commit an assault or a felony
  • An accident that occurs while under the influence of alcohol or narcotics, unless prescribed or taken at the advice of a physician§
  • An accident that occurs while participating in an organized race or while testing a vehicle
  • War or any act of war
  • Engagement in an illegal occupation
  • Pregnancy or complications thereof or resulting childbirth
  • Eyeglass replacement or eye examination unless injury causes impairment of sight;


FAQs about Personal Effects Coverage.


What does Personal Effects Insurance cover?
Personal Effects Insurance offers up to $1,800† coverage for loss or damage to personal effects owned by you and any passengers in the car.


Are there exclusions to Personal Effects Coverage?
Yes, there are exclusions. Personal effects and items not covered for loss or damage include:

  • Automobiles and their equipment, motorcycles, boats, motors or other conveyances
  • Household furniture, currency, coins, stamps, deeds, securities, bullion, tickets or documents
  • CB radios, radar detectors, GPS equipment, guns, merchandise for sale or fine art
  • Contact lenses, artificial teeth and limbs
  • Perishables or animals
  • Personal Effects Coverage does not cover:
  • Loss by mysterious disappearance
  • Loss or damage caused by wear and tear, gradual deterioration, moths, vermin, inherent vice or damage sustained due to any process or while being worked upon
  • Loss caused by war or any act of war
  • Transporting contraband or illegal trade
  • Loss by nuclear reaction, radiation or radioactive contamination
  • Loss or damage due to theft unless reported to police

All losses by theft must be reported to appropriate law enforcement authorities or they will not be covered. Coverage will be denied if the renter is in violation of the Rental Agreement.


*In the State of New York, Personal Accident Insurance will provide the renter up to $3,500 in coverage for accidental medical expenses.

In the State of New York, Personal Effects Coverage will provide the renter up to $500/passenger for up to $1,500 for loss or damaged personal effects.

Insurance will not be in effect if the Renter converts the rental vehicle or during any period while the insured Renter is in violation of the Rental Agreement. The Renter shall be deemed to have converted the rental vehicle whenever the rental vehicle is not returned to Hertz by the return date or by the extended return date. This is a summary only and other restrictions may apply. See the Policy for additional exclusions, limitations and exceptions.

§In the State of Connecticut, the voluntary use of any controlled substance as defined in Title II of the Comprehensive Drug Abuse Prevention and Control Act of 1970, unless prescribed by a physician.