Ed Perkins from SmarterTravel.com just penned one of the most useful articles about car rental insurance I’ve read in a while. It’s titled “.” If you’ve ever wondered if you should buy the car rental company’s overpriced CDW (collision damage waiver) or just use your own insurance (or a credit card’s), I recommend spending the 10 minutes to read this post. If you don’t have time, then at least read the last two paragraphs, which are:
“The take-away from all this: No alternative source of collision damage coverage — your auto insurance, your credit card or a third-party — completely isolates you from risk. Lots of travelers successfully rely on lower-cost alternatives to a CDW without encountering any problems, sure. Occasionally, however, your own insurance, credit card or third-party policy may not cover an unusual charge a rental company might impose.
If you’re unwilling to accept any risk at all, you might want to buy that overpriced CDW. For most travelers and circumstances, credit card or third-party coverage is sufficient, and primary coverage is a lot better than secondary.”
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