Originally Posted by
MoreMilesPlease
I guess I have a different viewpoint. My personal auto insurance will have a cliam against it if I use it for a rental car and have to put in a claim. No thanks. I really don't want a claim or premium increase. By using the AMX additional coverage, I do not have to have any hassles with claims against my personal policy. It is a full coverage, primary insurance that does not affect my personal auto policy. You need to check your personal auto insurance policy for coverage. It is often subject to the same deductables as your own car and you will still be resonsible for costs.
As I said in my post, DC is also primary coverage so no hassles or dings that affect my personal auto policy. So I don't see the diference between your AmEx "pay per rental" coverage and my DC coverage included in my annual fee. Please enlighten me.