^^^Great advice. I used to work at a rental car company many moons ago - if you mark down every single nick and scratch, you end up making it very difficult for the rental company to prove further damage later.
We had a few people stung by thinking they had coverage under their credit car or own insurance which didn't turn out to be the case.
You must have the SEF 27 endorsement on your policy. Read the SEF 27 endorsement clause carefully to make sure that it covers the type of vehicle you're renting and provides enough coverage for the cost of the vehicle.
For credit card coverage, they usually only cover cars up to a certain replacement cost and very rarely cover trucks, vans or SUV's. Read that coverage carefully before relying on it.
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