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Italy car rental CDW--decline with a Visa Signature card?

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We've got a Visa Signature card, and according to their information we are covered for CDW in Italy when their card is used, But, then there is also this little disclaimer, "Additionally, this benefit is not available where precluded by law or in violation of the territory terms of the auto rental agreement or prohibited by individual merchants. Because regulations vary outside the United States, we recommend you check with your auto rental company and the Benefit Administrator before you travel to make sure Visa Signature Auto Rental CDW will apply."

So, has anyone ever rented a car in Italy using their Visa Signature card and used that as coverage? Or, is this the loophole that forces one to get all of the pricey coverage that the rental agencies pile on top of the rental fee?

Thanks.

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