Deciding whether to purchase optional excess-reduction or collision damage waiver insurance from a rental car company depends on your existing coverage framework and risk tolerance. If your personal credit card offers robust rental car insurance or your home/auto policy extends overseas protection, buying rental agency insurance can be redundant. However, if your existing policies exclude international rentals or carry high deductibles, purchasing the rental company's zero-excess or damage-reduction waiver is often worth the peace of mind to avoid steep out-of-pocket costs if a mishap occurs.
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