Recently rented from Avis in ANC and Thifty in SEA. Not sure what was and what was not covered with the ANZ Gold card insurance so I said to the staff "I want insurance to minimise my liability for damage to this rental car and to also to any person or property from the rental car". This meant an extra $11 or so for one and another $20 or so for the other. Total was expensive, but necessary IMHO.