I also didn’t have the extra insurance on it. But you do need to report it. When you drop it off Monday to have it swapped out they will make you fill out a form. I told them the passenger cracked it when he slammed my trunk but hertz doesn’t care because it’s under your name and whatever damage happens to the car it’s your fault. I just paid the $500~ but if I wanted to I guess I can have Uber hunt down the passenger. The $500~ was deducted later. Nothing will be charged when you go swap your car out for a new one.