In case the car is totaled, I wonder whether there will be a huge discrepancy in what your own personal policy will pay vs. what the rental car company expects to get back from the car. Is there some stipulation on page 153,589,578,389 of the rental contract, in 0.5 point type, stating that you agree to pay for the full new MSRP, plus taxes, licensing, registration, emission checks to the year 2065, destination charges, fees, penalties, loss of use, etc. etc, etc?? This could leave you holding the bag for tens of thousands of dollars. As someone stated, this is not a problem in all countries!!