I'm looking to rent a car for a short trip and find that the price displayed comes with only a very basic insurance. Insurance upgrades are then offered for a typically hefty fee.
What insurance is mandatory? Beyond mandatory insurance, what insurance is recommended for a risk-averse person? (Or asking the other way round, what insurance packages are un-necessary?)
I am asking for Europe (Sardegna, Italy, to be precise but answers might be more general to make this topic useful for others) and let's assume I don't have any complementary insurance thanks to credit card, etc.
This question is related but covers only the extreme case (complete risk-aversion). Finally I am aware this question is somewhat opinion-based, so I am hoping for answers that represent what is considered "best-practice".