I suspect that liability coverage clarity resembles tipping practices opaqueness on the French side. I rent from ACE and they provide $30k liability with a $2,500 deductible included in their base rental. For $8 a day, I can bump the coverage to 1.1 meagabucks with an $800 deductible (these figures are from around 18 months ago). I always decline extra liability coverage. I don't know why ACE provides this minimal coverage, yet other places allegedly claim to provide none. Just a couple of data points--merely to further muddle the issue.