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Originally Posted by kennycrudup
I pay for the AmEx Premium Car Rental insurance as well, as it's Primary coverage and will therefore not affect my own personal car insurance should I be at fault.
OK, but do you really think you're any more likely to experience theft or damage with a rental car than with your personal car? (I assume that you do not pay for two insurance policies on your personal car, so that if you got into an accident you could avoid making a claim on the first policy.)