Originally Posted by
Stranger
My card is the amex reserve. I did occasionally file rental car insurance claims in the past, which they consistently paid. This said, I read through the insurance certificates, and I could find no mention of insurance being primary, or not. But neither did I find any wording that pointed to it not being primary.
Best to check directly with the insurance underwriter for Amex. Amex agents are not knowledgeable in this regard. Besides, if you had a claim they’d pass you along to the insurer.
I don’t like “surprises” so I kept the details of the conversation. Of course, I hope never to claim.