Re LDW (loss damage waiver from the auto rental company) -- sure, if your credit card covers damages to the vehicle, there should be no need to purchase it from the rental car company; but if not and even if your own insurance covers it, it may be wise to consider purchasing the LDW; for one thing, it is possible the deductible on your own insurance is quite high, and, for another thing, depending on the circumstances of an accident, the claim you file with your own company might trigger an increase in your insurance rates. I think to make the best possible choice one should look at the length of time of the rental (days or weeks) combined with the daily cost of the LDW; keep in mind that some airport car rental companies allow you to purchase "limited LDW" for a reduced daily rate; for example, perhaps $9.95 a day for up to $3,000 worth of damage. The "peace of mind" of having LDW is a major factor in my decision to almost always purchase this insurance.