Originally Posted by
guv1976
OP: Check with your personal auto insurer to make sure that your policy covers you for rental-car damage, and if it does, whether a deductible applies. If a deductible applies, then definitely initiate a claim with Amex. If your personal policy does not cover you for rental-car damage, then you should also initiate a claim with Amex: in such cases, "secondary" coverage becomes primary, since there is no other collectable insurance.
I have submitted a claim with my personal auto insurance and will also submit a claim today with the unit of American Express that will be the secondary insurance. What no one seems to know is if I will have to pay my $1000 deductible after my primary insurance pays off Hertz or if I will have to pay the $1000 but then may get my deductible paid by American Express.
I hope someone who had a similar situation can report what happed to them.