美加自驾租车，这个保险项目必须勾选吗？

Theft & Damage Excess ProtectionYes, I want to add the Theft & Damage Excess Protection for only 22,54 CNY a day.Excess or Deductible is a renter's financial liability that can be charged in the unlucky event of car theft or damage to the rented vehicle. For peace of mind we'll refund any charges.
Theft Excess Protection
- Covers your liability in case your rental car is stolenAccident Excess Coverage
- Protected for damages that occur as a result of an accidentCar Damage Cover
- Excess liability protected against damages 帮忙看看，谢谢！