Used my American Express card to pay the minor excess charges on a car rental paid for by my auto insurance while my car is undergoing damage repair .
I always waive those car-rental insurances, but later discovered that American Express will not cover any liability, unless the card is used to pay for the rental in full.

Even worse, I was sent the American Express liability policy and it turns out that they DO NOT cover any personal injury or damage to property issues as part of their coverage. .

All these years I was at risk . Do the auto rental agencies have insurance, just for personal liability /property damage?