Originally Posted by
Recreation
Bob1008, My AMEX Platinum card (to be clear, it's the one issued by AMEX that costs $450/year), gives this protection for free. You don't have to pay $19.95 per rental to get it; you simply have to reserve, and pay for the car, with your Platinum card.
From the platinum website:
Did someone hit your rental car? Not to worry, with the Car Rental Loss and Damage Insurance Plan.
Use Your Card
When you are the primary renter, simply use your eligible Card to reserve and pay for your auto rental.
Say "No Thanks"
Decline the collision damage waiver (CDW) or similar option when you are reserving and picking up your car from a Commercial Car Rental Company.
Enjoy the Ride
The Car Rental Loss and Damage Insurance Plan provides coverage up to $75,000 against theft of or damage to most rental vehicles. Coverage applies for the first 30 days, and is in excess to your other sources of insurance.
I believe you are mistaken on your interpretation. If you read clearly your quote above, it say's coverage is in "excess" to your other sources of insurance". That's the standard credit card insurance. They will only assume any of the leftover liability
after you've filed with your own insurance company(s).I'm not interested in filing with my own insurance company first, and than the credit card. The plan I enrolled in with Amex provides PRIMARY coverage. My own auto insurer is never even notified. I'm paying the $19.95 for PRIMARY coverage.