Sorry for the delay. It wouldn't let me reply for 24 hours with a new account.

I spoke with an agent and I have full coverage on some vehicles and liability on others but the full coverage would apply. I must make sure I decline the insurance though. At that point, I’d be subject to my deductibles, etc…So my thought is to buy the AMEX premium for $24.95 to avoid any hassle with having any issues with the rental car. And should I have an at fault issue, my insurance should cover the other vehicle and simply not the rental which would be handled by AMEX…

Sound correct?