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Car hire question Las Vegas?

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I'm traveling from Australia and would like to confirm conditions of car hire in Las Vegas.
I was talking to the Hertz agent here in Australia and he mentioned all cars listed on their website are automatic unless other wise stated; apparently most car rentals in the USA are automatic?? is this correct?
He also mentioned full insurance of the vehicle is by law covered in the cost of the rental. I'd like to confirm this , as I read an article on the internet advising to take out full cover to be sure of any mishaps. This article may have been old not sure. Can someone also please confirm that full bodily and vehicle insurance cover is a requirement of rental in the USA and is automatically included in the cost of hire/rental?
PS I was talking to the agent about a vehicle hire in Las Vegas Nevada
Thanks in advance

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