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Many people use the rental car insurance offered through various credit cards, however, those services often don’t cover all types of damage. Here’s what those policies take into consideration when calculating costs.

1. Loss or damages that are covered by your own auto insurance.
2. The type of car you’re driving.
3. The country you’re renting the car in.
4. A long-term rental.
5. Negligent driving, driving under the influence, or other types of careless driving.

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Image via NBC News.