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Rental Car in France --- do I need additional insurance

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We are renting a car in in France in October and I will be using my AMEX reserve to pay for the rental. The card cover me for a damage or stolen car. Has anyone rented with this same card and did you pay for the rental company's insurance? Don't want to be under insured but I also don't want to pay for something I don't need.

Thanks!

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