There has been a lot of dicussions about the pastor and his review on 2 other sites I have read. Personally not sure he was giving all the facts and being objective. After all the accident was his fault. Consider how many cars are rented on a daily basis and how many negative reviews are posted. Sure there are police that will pull you over for no reason trying to get you to pay a fine directly to them. If you stand firm about going to the station to pay it they mostly will just let you go.
I rented twice last year with no problems and am renting again next month for 2 wks. I always follow these rules.
1. Rent from a company that I trust with great reviews.
2. Always get the insurance
3. Don't speed and obey all the laws
4. Don't drink and drive