Insurance may be included but you're taking a risk of spending time at the jailhouse if involved in an accident. We are also covered by cc as well as our auto insurance and although I have declined the extra insurance in the past no longer.

"Travel changes you. As you move through this life and this world you change things slightly, you leave marks behind, however small. And in return, life — and travel — leaves marks on you.”
-Anthony Bourdain