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A comment on The absurdity of renting a car will no longer be tolerated. Parent comment

Re:The absurdity of renting a car will no longer be tolerated by jlund-molfese on Sunday December 26, 2021 @09:51PM (#29698585)
Yup, I recently rented a car with an American Express Platinum card, which includes secondary coverage. I don't own a car, so I don't have auto insurance, and assumed vehicle to the damage would still be covered, I just wouldn't have liability coverage. But in order for the policy to pay out anything at all, you're required to have primary coverage.

So I ended up paying $300 or so for a scratched fender. Not the end of the world, and their estimate seemed fair, but I might buy the rental car insurance next time.

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Re:The absurdity of renting a car will no longer be tolerated by argonaut on Sunday December 26, 2021 @11:04PM (#29699045)
Wait, this is definitely news to me. I'm pretty sure secondary coverage becomes primary if you don't have personal insurance. I re-read the Amex terms and conditions and it says nothing about requiring primary coverage (https://www.americanexpress.com/us/credit-cards/features-ben...).
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Re:The absurdity of renting a car will no longer be tolerated by jlund-molfese on Wednesday December 29, 2021 @10:45AM (#29725813)
Hmm, maybe I should resubmit the claim! Would be great if I'm wrong–the form required a primary insurance declaration and I gave up at that point.

EDIT: Thanks argonaut, that worked and the claim was able to go through! Proof of Cunningham's Law.

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Re:The absurdity of renting a car will no longer be tolerated by cromka on Monday December 27, 2021 @10:06AM (#29703036)
That was exactly my understanding and, I think, a general consensus on how secondary insurance works for Amex Platinum.
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Re:The absurdity of renting a car will no longer be tolerated by ciabattabread on Sunday December 26, 2021 @10:07PM (#29698684)
Next time, get the American Express Premium Car Rental Protection add-on as your primary? [1]

[1] https://feeservices.americanexpress.com/premium/car-rental-i...

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Re:The absurdity of renting a car will no longer be tolerated by skuhn on Sunday December 26, 2021 @11:00PM (#29699013)
Paying for the AMEX primary coverage is usually much cheaper than rental car coverage (since it's one-time instead of daily). Some Chase cards also offer primary coverage without a fee (but they are generally cards with significant annual fees).
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Re:The absurdity of renting a car will no longer be tolerated by listenallyall on Monday December 27, 2021 @02:09AM (#29700220)
This is a fantastic service. AmEx used to promote it reasonably heavily, but in the past few years I've rarely seen them mention it at all.
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