Originally Posted by
guv1976
I can certainly see the value of the Amex premium coverage if one usually rents cars for more than 31 days at a time, ...
Amex premium coverage is for rentals of 21 days or less.
Originally Posted by
guv1976
...or usually rents cars that cost more than $50,000, and does not have the benefit of an "association" limit on responsibility for damage to the rented vehicle. I can also see the value of it for one whose personal automobile policy would cover the rental car, but who wants to protect himself against having to make a claim on his own policy. But for a renter who either does not own a car, or whose personal policy does not cover damage to rented autos, and who rents cars costing under $50,000 for a month or less, it's hard to see any value to the Amex premium coverage.
I am really getting confused now. From what I know the automatic coverage you get from MC or Amex is coverage that is NOT paid by your primary insurance carrier. So the World MC would first require one to file with State Farm, Allstate, Lib Mutual, etc before the CC benefit kicks in. yes? no? The Amex premium protection does not require one go through their own insurer first. Which usually increases one's rates (not always but usually).