We’ve been given the hard sell insurance pitch at all of the car rental places in MCO. Like you mentioned, they are pushing for commission/bonuses and they WILL lie to you to get you to buy the insurance. I suggest everyone check their policy for exactly what they are covered for and go in prepared. Our policy covers us for a rental and we know exactly how much coverage we have. I think most people are covered.. but check.I had a real argument with the check-in person last fall when we used Costco/Alamo. I ended up not getting the insurance he insisted I needed by saying I would take my chances. There were no issues and I would have been covered if something had happened. It just depends on who is behind the counter and how much they really know or need the bonus for getting people to take the insurance.