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Do you really need extra insurance for a rental in Montana?

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(@raywright915)
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I get wanting peace of mind, but honestly, I’ve never bothered with the extra insurance.

“I’d rather pay a bit extra up front than argue with a rental desk in the middle of nowhere.”
Maybe I’m just stubborn, but I’d rather deal with a little hassle than shell out for coverage I probably won’t use. My own auto policy and credit card have always covered me fine—even in rural Montana. The “loss of use” thing is annoying, but most cards actually reimburse that if you read the fine print (yeah, it’s a headache). For me, paying double at the counter just isn’t worth it.


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