There might have been communication issues between the rental car platform and HERTZ. At the store, the staff kept pushing additional insurance on me, even though I had already paid for full insurance online. The HERTZ staff just kept shaking their head, saying they couldn't see it. Since I was in a hurry, I didn't argue and ended up buying extra insurance. So, don't just focus on so-called big brand stores and their so-called low prices. Always clarify everything, or you might waste money.