Originally Posted by
Evan!
Which means I would have to file a claim with my insurance carrier (LM). I am aware that a cc's "secondary" LDW kicks in where my primary leaves off. However, I would like to leave my insurance carrier out of the loop in the event of an accident (higher rates due to claim). The majority of rentals are for biz reasons (self-employed) which means the Amex coverage translates to tax deductible. So the "pain" of spending the extra with each rental is lessened a bit.
I realize that $100K coverage for a car is high but the $24.95-version of Amex' plan also includes $100K AD&D.
If your personal auto insurance policy states that no coverage is provided for damage to rented automobiles, I don't see why you would have to file a claim with your insurance carrier, Liberty Mutual. According to you, LM won't pay such a claim, and the credit card insurance people will just need to see proof that you have no insurance that covers you for damage to rented automobiles. Your LM insurance policy should be sufficient proof of that.
And yes, it's true that Amex premium car rental protection does provide $75,000 or $100,000 of accidental death and dismemberment coverage,
but the coverage only applies to the renter and the renter's passengers. If you are in an accident and injure or kill someone who is not riding in the rental car, you are not covered by Amex for those damages.