While they are also trying to sell you their overpriced insurance I can totally see why they want to check that you have the insurance that covers >$20k of thei

While they are also trying to sell you their overpriced insurance I can totally see why they want to check that you have the insurance that covers >$20k of their assets if you crash into another car in an unfamiliar city. A lot of people don't have comprehensive coverage on their own vehicle, or have a personal vehicle that is of lower value than the one they are renting. I'm not excusing the rude/hostile tactics that some rental places force people to endure (for which they should not get repeat business and be open for legal action) but I can see some reasoning for them to check insurance policy details before handing over the keys.