Whenever I travel now, I bring a PDF copy on my tablet of my actual insurance policy, like all 8 pages, that shows it pays for all perils, theft, etc in the case that the car rental person gets pushy on the insurance. To double the coverage I always pay with my Visa Avion to be doubly safe.
If you do not have 3rd party on your personal car insurance it is ridiculously cheap, like $30 or $40 bucks a year to have full coverage, including theft, on a rental. Less than you would spend for 3 days of their coverage.
Also, I always leave rentals unlocked (if I have nothing in them of course). That way the car isn't going to get mangled by someone breaking into it. In fact some rental places in Hawaii suggest you do that.
All that being said, if I didn't have a credit card, or personal car insurance, I definitely would pay for their premium insurance coverage.
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