I’ve had experience both with taking out the agency’s insurance and relying on the credit card. Both cases I didn’t have to pay a cent, but when I took out the rental agency’s insurance the process was hassle-free even though we were at fault and when I relied on the credit card I found the card company and the rental agency refuse to call each other and for each document I would need to call back and forth though the other side was clearly at fault. Depending on your circumstances decide if it worth the potential hassle. I rent close to 30 days a year and do NOT take out the additional insurance.
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