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I always use one of my credit cards that carries full rental insurance so I don't have to worry about situations like this. I like driving the rental knowing that I can pretty much bring it back in any condition and it'll be covered by my credit card's insurance carrier.

I'd love to see the fine print on this. Every agreement I've read lists credit card insurance as secondary insurance to your car insurance. There used to be one or two out there that weren't, but they weren't your run of the mill platinum card.