Nope! They will ask but they aren't too bad about it. Most people have rental car insurance through their personal auto insurance carrier.
You dont have to have your own insurance you can purchase Hertz insurance at a daily rate. But you do have to have insurance on the vehicle in order to rent a vehicle.
Yes, yours or you can purchase theirs. I believe its about $11 per day. But, if you have car insurance, you can call your carrier & ask them to transfer to the rental.
Yes it is mandatory to have insurance on a vehicle
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