Lesson learned. I always rent from a reputable rental car agency and always take the insurance, regardless of my payment method. The one and only time I tried to use an alternative (smaller, MomnPop agency), I was asked for my passport. Not knowing any better, I gave it up, albeit reluctantly and went on my way in my beautiful SUV. That bad judgment led to a second bad decision to allow my then-fiance to use the car to get to a political event on time. In the rain, he was involved in a terrible accident and went down an embankment slamming into a tree. He was lucky to survive with minimal lasting injuries, but the vehicle was totalled. The agency refused to give me back my passport in order to be allowed to go home at the end of my vacation stay. They told me I had to pay for the vehicle. I believe it was something like $6,000 U.S. dollars (it's been some years ago now). I had to come up with at least half to get my passport, with the understanding that my then-fiance would pay the other half. The whole ordeal was a nightmare in paradise. It worked out in the end, (luckily I had just received my income tax return and could pay my half), but I would never, ever, ever give up my original passport again. And I would never, ever allow someone else to drive my rental either. Many lessons learned.