These insurance options provide personal liability protection to renters. All insurance policies should meet FL state minimum requirements which includes: personal injury protection (PIP) AND property damage liability (PDL). Please note that renters are financially responsible for ALL loss, theft, damage, diminution of value, towing, storage, administrative costs, regardless of fault, and will be subject to pay deductibles as required on any claims. Some insurance options offer coverage plans with zero deductible. If you opt out of seeking personal liability protection, then you are choosing to continue without protection and accept responsibility for damage to or theft of the rental vehicle and any third-party claims. Please note, EconRentals LLC reserves to enroll you into a damage protection plan as an alternative.