Welcome to FlyerTalk frozennorth!

Based on your username, I did want to highlight that if you're in Minnesota, North Dakota, New York, or Rhode Island there might be complications with state laws that make this contemplation moot.

For instance, for Minnesota Statute 65b.49.5a requires that auto policies issued in the state must cover damage to rental cars with a $0 deductible as part of property liability coverage, even if the policy holder does not have comprehensive or collision coverage on their personal vehicle. This requires insurers to cover "loss of use" and damage with a minimum limit of $35,000 (even if the policy general property damage limit is lower) in 1995 dollars with a paragraph stating this number should be adjusted with CPI, so that's nearly $70k of minimum coverage as of 2023. Even if you are renting in a different state, your MN auto policy will still apply. Chase Benefit Administrators have interpreted this statute to mean that your personal auto insurance supersedes the coverage provided by Indemnity Insurance Company of North America.

American Express will cover claims in MN only under co-primary coverage, so you ultimately still have to make a claim through your personal insurance if you carry liability coverage on a personal vehicle.