I apologize in advance, but I fail to see the benefit of this "Primary coverage". In the vast, vast majority of serious accidents, bodily injury is involved, which clearly is NOT covered under this new offer. I guess if you just smash up the vehicle by sliding into a ditch or into a power pole, you're O.K., but this whole extension of coverage into the "primary" arena seems more of a marketing ploy than anything else. If you REALLY have an accident, what do you do, file a damage claim for the vehicle with your credit card company and a simultaneous claim with your own auto insurer for the bodily injury part?