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Rental Car Insurance

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We will be renting a car in Germany in May, driving in Germany, Poland, Slovakia, Hungary and Austria. My Credit Card has CDW for rental cars. Has anyone had experience with CDW insurance via their credit card, and had a Claim? I am trying to get comfortable with not taking the rental car company's insurance, but I have visions of a nightmare scenario trying to get out of the rental office after returning a damaged car. Or worse yet, having a rental car stolen!

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