Is the CSR auto coverage really that different from the United Club card coverage? They are both Chase, so I'm assuming the same company is handling them. I see the CSR has a $75,000 limit and the United Club only has a $60,000 limit, but is there anything else?

My husband had a couple of claims a long time ago with the United Presidential Plus card card (precursor to the United Club card) and he also had easy experiences. One time was when he slid in winter Calgary weather, ended up in a median where a street sign had been clipped by a snow plow, and the remaining sign post stub gutted the underside of his rental.