Payless Car Rental Told I need Loss of Use insurance Las Vegas Nevada

I was told by a counter person at Payless in Las Vegas that my New Hampshire State Farm insurance did not cover Loss of Use. She had me so scared I took it. She said I could call her when I got home if I found out I was covered and she would take it off my bill. I found I am covered. I contacted Payless and was told, "When renting a vehicle with Payless, you have the option to accept or decline coverage. Coverage is authorized by the renter, and that decision is noted on the rental agreement when the guest signs for the coverage. Once a rental agreement has been completed and services have been rendered we are unable to make any changes or issue refunds. I am  out $159.48 for this fraud insurance.