this might be against the rules..but since they don't know that your using your amex to book a car(thru priceline for instance)..would it be bad if I signed up for the premium service then use my amex to pay for the priceline..then only notifiy the insurer if I do have an accident(and thus be charged)..do you think I would be covered since techinically i signed up and purchased the card thru my amex...wouldn't normally I assume that I would be covered without having the need to email the insurer directly?