Most, if not all credit cards will provide "collision insurance" if you use their cc to pay for the rental I don't know of any cc company that offers free "Liability" insurance.

No, car rental agencies DO NOT provide "free" Liability Insurance. If you want coverage from them you have to pay a "daily fee".

Check with your personal Insurance agent to see if your personal auto insurance will cover you for Liability when driving a rental car - be sure to ask if the coverage will extend to driving while in a foreign country. If not, for a minimal cost you can add "Hired Car" to your personal auto policy which will cover you for both Liability and Collision when driving a rental car.

If you have a "Hired Car" rider on your personal auto policy you do not have to buy the insurance from the car rental company.

Keep in mind that even if you have Liability and/or Collision Insurance through your own policy or credit card and you are involved in an accident in a foreign country you may be asked to pay for any damages or claims "up front" before you are allowed to leave the country. If that happens you'll file your claim for reimbursement when you get home.