Think we know this BUT what most would like to know and has actually not been answered in such a manner that its absolutely clear. If one is in an accident that involves the liability part as some seem to think that liability is generally included by most renters (but if you pay extra you are paying for nothing as one is covered anyway) will one be totally covered? fwiw, I don't think so, as apart from Hertz ,I feel pretty sure the small print will tell you differently, therefore if you want total coverage you cough up. The way its been perceived by some here, is that they wont tell you they already have coverage included, you just dont know it.

So which is it pls?