AMEX has primary coverage available in addition to the coverage they already provide. You have two choices either 19.95 or 24.95 as I recall. The difference is in the amount of coverage. You simply sign up for this benefit and they automatically bill you this amount each time a car rental hits your account, the coverage is automatic in other words. Granted for a day or two it is expensive but for a week I don't mind. You can also activate and deactivate this coverage by simply calling them.