I'd disagree on that decision. It would bring me no peace of mind to have my insurance company picked by the same entity who is expected to go after me with questionable charges. All CC insurance overseas will be primary, as US Auto insurance does not apply abroad. In my experience all high end credit cards provided excellent service on Auto Insurance overseas whenever I needed to make a claim. They promptly paid what they considered reasonable, and took the rest off my bill (as was the case with one "loss of use claim" in AU).