Originally Posted by
Evan!
Amex premium coverage is for rentals of 21 days or less.
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).
Amex premium coverage is for rentals of
42 consecutive days or less, unless the cardholder resides in Washington, in which case the coverage is for 30 consecutive days or less. Here's a link to the coverage description (see the paragraph headed, "Premium"):
https://www152.americanexpress.com/f...al/coverage.do
In your earlier post, you wrote, "But LM told me I am covered for other cars in an accident but no [sic] the rental car I am driving." If your insurer does not cover you for damage to rental cars, you would simply have to provide proof of that (i.e., a copy of your Liberty Mutual policy stating that you are not covered for damage to rental vehicles) to the credit card issuer, and the credit card's "secondary" LDW would become primary in your case, because you have no other
collectible insurance coverage.