Hi!! I need you help. I would like to rent a car for 1 day in Lanai (Hawaii).

I contacted the most important rental car company of the island

http://www.808hummers.com/

and they told me that, in lanai, the rented cars don't has a insurance cover but I need to
have my personal insurance that cover me and the car.

Also Dollar Lanai

http://www.dollarlanai.com/

has the same policy.

now, I'm Italian and in italy, we don't have a personal insurance that cover the vehicles, but here, all the vehicles have their own insurance.

What I can do for rent the car? How a foreign man can rent a car in USA without an Insurance? there is not a way to make an Insurance for 1 day? Some online company?

Thanks a lot for all