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Is credit card rental car insurance worth it??

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I've been researching the different types of credit card insurance offered for car rentals in Europe recently and have come up with a lot of good info, but I've found accounts of personal experiences to be lacking, especially ones that turn out in favor of the traveler. On the surface, this would lead me to believe that filing a claim and securing reimbursement from a CC company is difficult and troublesome, but I also understand that people are generally much more inclined to write about a bad experience/horror story than they are about a transaction that went smoothly (at least I know I would be!).

So, my question is: has anyone declined CDW from the rental company when renting a car in Europe, had an accident, and had little trouble in getting reimbursed for the deductible/costs? The question, of course, assumes that the rental qualified and applied according to all the credit card's terms and conditions for use of the insurance (not just a result of consumer error).

DISCLAIMER: I know the laws and stipulations can vary greatly depending on the country rented in, etc. so my question pretty much excludes anything in Ireland or Italy right off the bat just because of all the added complication and difficulties with opting for credit card CDWs there. I'm more just wondering how reasonable it is to expect the same type of service from a CC provider in the event of an accident as you would from a rental company when purchasing full coverage in the non-outlier countries for car rental insurance like France, Germany, etc.
Anyone ever decline direct CDW, have an accident, and no problems claiming reimbursement from the CC?

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