And so I heard that Sapphire Reserve car insurance is the best in the market. I had my first accident involving a car rental in 20 years and was surprised to discover that the benefits company they employ (Card Benefits) is pretty lousy. I had a minor damage to a bumper when I was in Hawaii. I just backed into a rock, so no one else was involved in the accident. A straightforward case. Yet, Car Benefits decided to pay much less than they were billed. They refuse to pay what it cost to ship an item to HI. They refuse to pay the loss of usage beyond one day. When I had a minor accident twenty years, some low-level credit card I had at the time paid for everything. And here’s Reserve, praised by many, but in reality, at least for me, a mediocre service. Anyone had positive experience with their car rental insurance? I need to decide whether to renew the card.