Originally Posted by
AutoSlash
Your understanding is correct. You are welcome to purchase Amex PCRP, and if you (or your wife) have an accident it will avoid you having to file a claim against your personal AAA insurance policy (and potentially pay a deductible), but it's not actually necessary since it sounds like AAA has you well covered from both a collision and a liability perspective.
You may want to review to educate yourself about car rental insurance. You can also set up a tracking request for your rental to make sure you don't end up overpaying.
Lastly, Citibank is dropping car rental protection as of 9/22/19, so if your rental isn't before that, avoid the Citi cards. I don't think any of the cards you listed offer primary rental protection (except Amex with PCRP). It's worth a call to the number on the back of your card to ensure that they do offer at least secondary coverage if you don't take PCRP with Amex.
Honestly, if I could pay $25 and not have to worry about messing with my insurance, it's worth that to me. From a standpoint of the other driver should I be at fault, that's what I want to make sure I understand correctly but seems to be where I have the most confusion
My booking it from Autoslash.
I did see the stuff about Citi but my reservation is in July so trying to figure out what card makes the most sense to use.