I rent a car very often through work, and I always get those extra insurances, because:
My company pays for it
More than once the car rental companies have found some nano-scale damage to the car that I couldn't have caused (must've been there when I picked it up), and they try to pin it on me, something my job wouldn't cover. And unsurprisingly, those claims only happen when I don't have that extra insurances.
The very first time I rented a vehicle, I got done for a scratch that I didn't make. It was a scratch from underneath the front bumper. When I got the car they never checked that area but it was the first place they looked when I returned it.
Since this incident, I go over the car with them with a very keen eye. I get them to mark down every little mark. Including underneath the bumpers. I even get them to write it down if the car was wet since that can mask scratches.
Always take full video on pick up. Close details over everything.
I rent a car very often through work, and I always get those extra insurances, because:
My company pays for it
More than once the car rental companies have found some nano-scale damage to the car that I couldn't have caused (must've been there when I picked it up), and they try to pin it on me, something my job wouldn't cover. And unsurprisingly, those claims only happen when I don't have that extra insurances.
The very first time I rented a vehicle, I got done for a scratch that I didn't make. It was a scratch from underneath the front bumper. When I got the car they never checked that area but it was the first place they looked when I returned it.
Since this incident, I go over the car with them with a very keen eye. I get them to mark down every little mark. Including underneath the bumpers. I even get them to write it down if the car was wet since that can mask scratches.
Always take full video on pick up. Close details over everything.