Car Rental

A Conversation at a car rental desk at Denver Airport.
(between a dark-haired young woman at the desk and me)

She: I recommend our full coverage insurance.
I: No, we'll be okay. thanks, though.
She: Okay. There's no hell coverage then.
I: What coverage?
She: hell.
I: Excuse me, what was it again? Hell coverage?
She: Yes.  You are responsible for the hill, if you don't want the insurance.
I: The hill coverage?
She: Yes.
I: What kind of coverage is that?
She: Well, at this time of year, we have a lot of hail that damages cars -- YOU are responsible for that.
I: Ah, hail! Hail coverage!
She: Yes.