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		If you're flying to that vacation, you probably have your a hotel arranged in advance. Now you're going to get a rental car at the airport. When should you pay for the insurance option on a rental car? In general, you're covered by your personal auto policy and, in many cases, by the credit card (but not the debit card) you use to pay for the rental. If you have filed claims on your personal policy, though, you may want to buy insurance. As long as you have a waiver from the rental agency, an accident won't show up on your own policy (and raise your rates).
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