Originally Posted by guv1976

Secondary insurance means secondary to any other collectable insurance. If your personal insurance has a $1,000 deductible, and the damage is $350, then you have no other "collectable" insurance, and Amex coverage should kick in. With your claim, submit a copy of the "declarations" page from your personal insurance, showing the $1,000 deductible.

You might have a hard time getting Amex to cover loss of use unless the rental company is willing to provide its fleet-utilization logs. And does Amex cover administrative fees?