If we use my wife's CSR on a rental in my name, will the card's insurance cover the rental? She is automatically an authorized driver under state law (California).
The web site terms include "Who’s Covered - Cardholder (name is embossed on the card and listed as the primary renter) - Additional drivers permitted by the rental agreement (authorized persons)".
Travel Benefits (chase.com)
If it's safer, I'll use my CSP, figuring the insurance is more valuable than some extra points.
EDIT: From full T&Cs: "You are covered when Your name is embossed on an eligible card issued in the United States, and You use Your credit card Account and/or rewards programs associated with Your Account to initiate and complete Your entire car rental transaction. Only You, as the primary renter of the vehicle, and any additional drivers permitted by the Rental Car Agreement are covered."
BGC10893_Sapphire_Reserve.pdf (f9client.com)