By the way... most cards are eligible for this coverage, although if you are not enrolled in PCRP, the coverage will be only excess, meaning that AMEX will pay your insurance deductible. However, usually if the accident occurs outside of the United States, then AMEX will become primary because your personal insurance will usually not cover international claims. If you do not have personal or business car insurance, then AMEX will also become primary on your rental vehicle accident.