I have, it just says I should decline the coverage. It does not state what happens if I don't. Both my current credit cards (from different issuers) have the same language.

I guess I don't feel entirely comfortable having no AutoEurope coverage; they say I am on the hook for the full price of the car. Some reports say AutoEurope is aggressive about finding flaws that they then bill you for---the CC will pay but it's a hassle.

Anyway, I know can just buy full (zero duductible) coverage if I want; I was just curious about how it works.