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.
My American Express has no annual fee. I can get extended coverage and pay for it only as needed and at a higher coverage for more types of vehicles. I can enlighten you but you seem happy paying for your Diners Club.
Everyone has personal preferences.
My AMX gives me :
Coverage is activated when you use your enrolled Card to reserve and pay for the Rental Auto.
• Coverage is for you and your Passengers.
• Up to $100,000 for theft of or damage to the rental car.
• Up to $100,000 for Accidental Death or Dismemberment (up to $10,000 for a Passenger). For California Residents, up to $250,000 for Accidental Death or Dismemberment for the Cardmember and each Passenger.
• Up to $15,000 per person for medical expenses.
• Up to $5,000 per person for theft of personal property.
It covers SUV's, pickups, exoctic cars etc