most credit cards off insurance against rental car damage automatically. buying the insurance from the rental car company is a complete rip off.

i don't even bother to wait for the check in report or take photos any more. about 1 in 20 rentals i get dinged with a charge for a chipped windscreen or damaged wheel. sometimes legitimately and sometimes not. either way, all i need to do is click once on the credit card charge and dispute it and the credit card company takes it from there. usually they end up settling for much less or the rental company drops it, but whatever the result, i'm never out of pocket.

check with your credit card....