Originally Posted by bob1008

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.