Wirelessly posted (BlackBerry: BlackBerry8530/5.0.0.1030 Profile/MIDP-2.1 Configuration/CLDC-1.1 VendorID/417)

"Haven't owned one in 10 years (live in NYC)."

If your non-owned auto policy was issued to your NYC address, then I expect you are covered for rental car loss/damage. That's good and bad: the good news is that you'll be covered even if you use a free-day or dollars-off coupon on your rentals (use of such coupons typically voids the free car-rental coverage provided by credit cards); the bad news is that if your rental car is damaged, you'll have to make a claim against your own policy unless you are covered by your employer's insurance, or you use a credit card that offers primary car-rental coverage for business rentals.

Suggest you check with your insurer at your earliest convenience.