There's a good chance your credit card will cover the claim. Many do. Read the fine print.
I had someone take out the passenger mirror down in SC a year ago.
(Actually, I let my 18 year old daughter use the car against my better judgement)
Visa was very easy to work with. They got with Hertz and I never heard of the outcome.
It was a pretty ****** Hundai Elantra with 45k hard miles and interior spills. It's possible it wasn't worth the paperwork for Hertz and they shipped it off for auction as-was.