1. If you do not have other auto insurance the coverage that is bundled with the card IS primary. You do not need the Premium product to have primary coverage.
2. This product does NOT include liability coverage for damage done to other cars, property or people.
Thanks for the info, I'll pull up the "regular" included policy and see all the details. Getting Liability isn't a problem, because I always get it even when I had my own full coverage insurance. I just didn't want to use my insurance if something happen. Now, I don't plan on ever using personal insurance, because I don't have any.