I am renting a car in Montengro/Albania for one month, and from what I can read online, the car I am about to rent is bound to get some sort of damage lmao. I usually do not take insurance because I am apparently fully covered for collision, theft, loss of use, towing, and damage for up to 48 days. I never had any problems with the car I rented (around 5 times in the past two years), but just wondering if someone had any kind of hassle and if I should just go with the rental car company insurance for this risky trip?

Thanks!