As far as I know, all credit cards (with the exception of Diners Club and some Business Mastercards) have secondary CDW insurance provided. That is, if you have personal auto insurance, you must file a claim with them before the credit card's insurance coverage kicks in. However, "ExitRowAisle" is talking about an "additional" insurance option that American Express cardholders are eligible to obtain for a fee. The "additional" insurance option is primary and there is no need to file a claim with your own auto insurance, thus reducing the risk of getting a higher premium on your auto insurance.