I do not own my car, and thus do not have auto insurance of my own (otherwise, auto insurance typically follows you where you go, including to any rental cars). When I went to rent a car, I was told that I was required by the State of Georgia to have my own liability insurance, and that since I did not have my own auto insurance, I would have to purchase the rental company's supplemental liability insurance (SLP). Is this true? Wouldn't the rental car company already have coverage for the state-mandated minimum liability insurance?
This liability insurance issue depends on every country. As for the US in particular, every state may have a different policy. It is indeed required in many states to have liability insurance. In most states where liability insurance is required, the rental car company will provide a minimum coverage. But be careful, as stated in Hertz policy:
Hertz clearly says the liability is not always provided. They add:
So, clearly, it depends on every rental location. Avis, in its FAQ (Protections/Coverages>Automobile liability ...) is clearer on which states are concerned: there is no provided coverage for California, Texas and Utah. In Missouri, the state's minimum coverage is provided if the customer has no coverage on its own.
From the name (SLP) of the suggested liability insurance option, it is possible your rental company is Enterprise. Even if not clear, the words they use suggest they do NOT provide any liability insurance at all without SLP:
So I would recommend you to read the fine prints of your rental car company to figure what its policy is exactly regarding Georgia, to know if you need to suscribe a liability insurance option or not.