Most rental rates INCL liability insurance in it.

Most states in U.S. At least BC in Canada - which is spelled out on your rental contract, that the rental rate INCL liability coverage.

In Europe, I always email the rental car, such as Hertz or Avis or Budget, to verify the liability coverage issue. Our recent rental in Scotland was from Avis, both Avis and Hertz verified to me the rental rate INCL liability coverage.