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An addendum to the good advice before, if you are covered by your insurance policy, try to carry some documentation that attests to that fact when you go to rent a car. Or if your cc: has rental insurance but is of a non-standard color (for eg. gold and platinum's are widely accepted as offering the coverage), try to take a copy of documentation that says you are covered.
A lot of times, rental companies, upset at seeing their little source of income disappear (insurance), will ask you to show documentation. (the bigger rental companies arent an issue).
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