i just think that it is important to pay for additional charges
for insurance agst accidents, etc.
when i first landed last nov, i rented an aurion from hertz for
2.5 weeks and pay additional insurance coverage. my excess is only
$500. i drove with a peace of mind.
when there, i overheard a lady customer on the
next counter arguing over a charge of over A$3.4k because of a
minor accident. it's exhorbitant but she choose not to pay for
insurance coverage. she tried to argue her way out but at the
end of the day, she signed her name of the dotted line, which means
that she agrees to the terms and conditions and will be liable
regardless.
last year, i rented a suv with no additional insurance coverage
and drove to some national parks in australia. i got into
some minor damages on the outback, including a busted tyre. i
called the car rental, and the lady told me to just fix it before i
return and not mentioned anything upon return. so, i
did just that and no worries at all. sure it costs me a couple
of hundred bucks fixing the damages but it could have been much
more if i were to return a slightly damaged car.