Hopefully you are pro active when it comes to renting cars. That is, you carefully check to make sure of what coverage your credit card offers (i.e. primary or secondary etc.). You also check if your personal policy covers you. If you get an upgrade (like a mega one) you check if the retail price of this upgrade exceeds the coverage limitations as you may need to decline the upgrade otherwise (seriously, consider this). But there is one more step we all should take and you can do it in under 1 minute. Let me show you:
Insurance is great but the headaches of dealing with hours of paperwork if a company comes after you is just not worth it and if you can produce a video proving the condition of the car, one would hope they would drop any claim against you they may have dreamed up. – René
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