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So suggest people rent cars with credit cards and make sure your credit cards have rental car insurance. My card has it, so I don't have to buy any collision insurance. After getting home, I just fill out an online claim form, upload all the photos, documents, and credit card records when I rented the car, etc. Two weeks later, I received an email saying the claim was approved, and all the windshield fees that the rental car company deducted from me were returned to me. They asked me how I wanted them to send the money to me ? New Zealand Q&A

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