Usually, most of the products and services credit card companies try to sell you are junk, but this one appears to have promise.

The Premium Car Rental Protection provides:

1. Primary damage and theft coverage for a rental car (up to $75k)
2. Accidental death and dismemberment coverage (up to $75k)
3. Excess medical expense coverage (up to $7.5k per person)
4. Excess personal property coverage (up to $2.5k per person)
5. Coverage extending to luxury vehicles
6. Loss of use coverage

It's good for worldwide coverage (with a few country-specific exceptions), and it only costs $19.95 per rental.

I know the limits are relatively low, but my biggest concern with rental cars is getting blamed for cosmetic damage that previous drivers caused. After having a near miss with this type of scenario several years ago (picking up a car at night that had recently been washed makes a visual inspection next to impossible), I've been opting for the CDW because I don't want to have to submit a claim with my auto insurer for damage I had nothing to do with.

Has anyone out there signed up for this program, and if so, what are your experiences with it?