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It's LDW from what I read. The rest is up to you and how much risk you prefer to absorb. Most good credit cards will cover you as well so just check it out. Also your regular drivers insurance usually covers you, too. Either way there's probably exactly zero reason to buy addtl coverage from the rental company.
LDW and credit card insurance DOES NOT cover liability. If you take out someone’s car or out them in the hospital, you’re on the hook. Which means you better have your own auto insurance or pay for liability from the rental co