在avis网站租车,有如下保险选项 ,A. Loss Damage Waiver (LDW) 27.95 CAD Per Day; B. Personal Accident Insurance (PAI)4.99 CAD PerDay; C. Personal Effects Protection (PEP)3.00 CAD Per Day ; D.Roadside SafetyNet 9.99 CAD Per Day 。问过银行,说信用卡已经涵盖了保险A, 那么我是否只需要买B,C,D即可?