Auto insurance in France

My wife and I will be renting a car in Tours and then Avignon. My credit card Covers me for the Collision Damage Waiver. But it does not cover me for Personal Accident Insurance or Additional Liability Insurance. My driving record is exemplary, but I wonder if I should buy those two policies from thew rental car company. Does anyone have any experioence or suggestions to help guide me. I didn't buy it during previous trips to France and Germany. Is this wise?

Thanks.

I recommend purchasing the extra insurance from a U.S. supplier. The rental companies all over Europe make most of their money from the 'extras'