I understand that many believe that Altitude Reserve has primary CDW coverage. Reading its benefits guide (imgur.com/RjRGJLZ), I cannot certainly rely on this card's CDW as being primary. The guide does not contain even one sentence about whether or not you need to first submit a claim to your own auto insurances, which can be optimistically interpreted that its CDW coverage is primary. On the other hand other cards that have primary CDW, like Chase CSR and others, make it crystal clear in their explanation of benefits that the coverage is primary or specifically mention that one doesn't need to submit a claim to her/his own insurance before claiming through card's CDW coverage.

Any though on this?
Or has anybody ever had a real-world experience dealing with Altitude Reserve CDW coverage?