Hi, was wondering - if I have no auto insurance and rent a car, and decide not to get any supplemental insurance at the counter - do I have any cover at all ? I was under the impression that the car rental company is obliged to provide the state required minimum (am renting in PA, which has a minimum by law) even if I choose not to purchase anything. Having spoken to the Budget local office and Customer service they clearly stated that I will be liable for all costs (including 3rd party) if I don't buy their insurance. So... are they correct ? D.