Thanks for that feedback, Ffbloom. I haven't rented anything for probably a year and didn't have any experience with Enterprise so that's good to know. I always make a big deal of videoing the car when I pick up and drop off (hoping they note on my file that I'll be a pain in the rear end if they try it on), and did that this time.
It just bothered me that it went beyond the hard sell and into legal advice that seemed to be to actually be a lie, which I think is pretty appalling. To claim that insurance I purchased especially for the situation wouldn't work, without even looking at the policy document, is just so shady.