I know that if I have to have an overnight or am delayed 12 hours or more, I can get up to $500. A few questions though:

-Is it one-way or round-trip? If round-trip, what if I am only flying one-way?
-What if I fly open-jaw or fly different carriers each way?
-If I use my card to buy a ticket for my 12 year old, who is not an authorized user, to travel by themselves on Southwest? Would they still have the same coverage since they are immediate family?
-What if I think I'm forced to overnight but not actually? Like, if I'm flying SFO-IAH-DCA, and my flight from SFO-IAH is 3 hours late and will miss the last IAH-DCA of the day, so I book a hotel and get rebooked on the morning IAH-DCA, and then the last IAH-DCA is delayed 4 hours and I could have made it. What would happen in this case?
-If I was booked on the last flight of the day from SFO-SEA and I had a pre-paid non-refundable hotel booked at SEA and the flight was cancelled, would Chase reimburse me for the night of hotel I didn't get to use due to travel delay?