I have same experience with Hertz.

What type of insurance do you mean?

For insurance which covers car damage, usually you can buy at car rental agency.

US is business friendly. Malaysia got too many red tapes, which are not conducive to business.

Got foreigners ask me to help them transfer money or pay Syabas bill, because they can't open bank account here.

Gomen no money after GST abolished, so Loke is doing everything he can to help.

Remember, he actively sells car number plates?

Loke is very hardworking. No doubt about that. But don't expect him to do something big.

As I said before, he only picks the low hanging fruits.