Planning to rent a car for a week or more in Italy and having trouble making sense of insurance options. When I spoke with a human being at Hertz, I was told that CDW and theft insurance is mandatory in Italy, and it was included in the price quote, which came in lower speaking directly with Hertz than on Expedia. However it's not much "insurance" as renter is liable for first 1300 euros in collision damage and 2000 euros in theft costs. Were I to charge the rental on a CITIBANK American Airlines Mastercard and DECLINE the required coverage, which maybe isn't possible, I would be covered for $100,000 in physical damage or theft.
Question is--if you have rented a car in Italy, how have you gotten around this Catch 22 situation to ensure that you have reasonable coverage on the rental car. I am assuming in Italy, they will try to convince me to accept THEIR super waiver coverage, but are there other alternatives?