Originally Posted by magendim

A lot of premium credit cards such as Visa Signature (which is what I use) include CDW coverage at no extra charge on rentals provided you pay for the rental with that card. Just be sure to read the limitations on the respective card.

I also have no problem with my own car insurance covering things and always have that to fall back on (that's what the heck I pay all that insurance premiums for). Many years ago I had a rental car from Alamo stolen in DC. Filed the police report, notified my insurance and they covered the vehicle damage (they did find the car but it was trashed) and there was no effect to my insurance rates. I also filed a homeowners claim with the same company on some personal items in the car...