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I've used Budget "normal" several times and I have never had any trouble with the company. I have, however, on each occasion bought as much insurance as they would sell me. That is possibly how I have avoided any unpleasant "that's a scratch" arguments...
Several rental firms in the UK went through a phase of being super picky when you brought the car back and if you didn't have the extra insurance you got stiffed. I've read (in the motoring section of an English newspaper) that the same racket is going on in Italy... OK this European information isn't really all that specific I know but my point is that if you can reduce the come back with a rental company then that can only be a good thing in my opinion.
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