If you have a accident and sued and have a large judgement against you with inadequate coverage I think you would not say that. It seems French law requires unlimited liability ins on rental cars as far as I understand Hertz does provide unlimited but I still had questions on the wording in there reply
The Dutch side rental agency’s say check your credit card for coverage or they say they can offer you 50000 dollars of coverage in the States that is very little protection in a suit