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Q: Do we really need the extra insurance for collision, etc., offered by car rental companies?

Michele says...
Yes, you do. Car repairs, even a scrape or tiny dent, are expensive and will suck your vacation budget dry in a nanosecond. But extra insurance may not necessarily have to come from the car rental company. The credit card you use to pay for the rental might include insurance. Call and check, then double-check, the conditions of each policy. Some might not cover you if you don’t report an incident within 45 days, or the coverage might not apply on foreign soil. Another option is to add extra insurance to your annual car policy—coverage that protects you when driving cars other than yours. If you’re not covered otherwise, do sign up for the rental car’s own, albeit expensive, insurance. When it comes to car rental insurance, as with birth control, it’s always better to be safe than sorry.

A travel writer extraordinaire, Michele Sponagle has visited more than 40 countries around the world. Send her your travel questions here.