Wirelessly posted (BlackBerry8703e/4.1.0 Profile/MIDP-2.0 Configuration/CLDC-1.1 VendorID/104)
Of course, if one does not own a car, or does not carry collision/comprehensive coverage on one's personal insurance, then any credit card's "secondary" coverage becomes primary, since there would be no other collectable insurance.
For those of us who do not own cars, a credit card that provided third-party liability coverage would be a great find, but I do not know of any U.S. cards that offer such coverage.