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car rental questions and driving into Prague

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I have a couple of questions on renting a car in Europe.

I booked a car several weeks ago from Alamo - picking up in Zurich, driving to Munich, Vienna and Prague and back to Zurich. But I just found that Alamo prohibits driving into Czech Republic. Did anyone has similar experience? Will other car rental companies allow driving cars into Czech?

My second question is regarding liability insurance. I have a marster card that offers collision damage waiver and theft protection. So I will not buy such coverage from rental company. But what about liability insurance? As far as I know, the CDW and TP is for the rented car. What happens if I hit other cars? Within US and Canada, my personal auto insurance will cover my fault. But I am sure that policy does not cover rental car in Europe. Advices?

Thanks.

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