[LWJ]

Here is what you really need to know:

1) Your personal lines insurance will cover you for physical damage IF you have it set up this way. Call your agent.
2) Your personal lines insurance will not cover you for the rental companie's "loss of use" which is typically billed at or near standard rental rates. ONLY the rental company insurance covers this.
3) You probably DON'T have coverage internationally and should buy it from the rental company.

I work in the insurance industry and always decline it. I gamble on the loss of use issue. My wife is going abroad shortly. She will be purchasing it as there is no coverage where she is going.

Good luck.
Larry