Dovster, I assume you have a US issued CC. If you dont own a car then YES your CC will be primary. For those who reside in NY(not sure which other states) even if they use DC its ONLY secondary as per NY law, and thusly you must report it.(Then again if the DC holder puts the car into someone elses name then he doesnt own a car and DC is primary.0
also DC pays for eveything not all CCs do, eg loss income for the time the car is being repaired and cant be rented out. I usually use DC and then if no claim needs to be filed will switch CCs when the car is returned. Dovster, funny I was ONLY unsuccessful 1 time where the Rental comp wouldnt let me switch, stupid reasoning was well if you had a claim they would have paid it so its not right to switch it. Guess who, ELDAN at BG. Never had a prob with any other company any where including in Israel. The episode with Eldan was a few weeks ago.
I prefer to put as much as I can on my SPG Amex. Why pay $95 for DC ? I dont I have a friend who uses the DC and he pays it.