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Help with Car Rentals & Insurance

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Will be renting a car in Sicily for 16 days in the fall. I have read some horror stories about problems with the car rental agencies. I'm tyring to find out just what type of extra insurance I should carry. Seems like some travelers have been talked into extra insurance that they don't need. I guess I would just like to be armed with the knowledge before I start negotiating with the car agency. I do want to make sure that we have the proper coverage. Any suggestions?

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