Vehicle Coverage For a Rental

I have been looking into all of my options for the trip I am going on next month. I am always the kind of person who likes to be prepared for anything. That is why I have decided to get insurance for anything that could possibly happen. I am getting trip insurance, normal rental car insurance, and something called rental vehicle insurance excess. There is something that happens when you get into a wreck in a rental car with the insurance the rental place provides. For some reason, it just does not cover everything. That is why it is important to get coverage for everything. 

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