Credit card CDW on rental cars - citi premier?

[Loquat]

@red259   Sorry, misunderstood.  Yes, you are correct that secondary acts as Primary since you have no other coverage.  I was still thinking in the mind of the Citi Premier more specifically to which I thought all insurance was cut unless there's something I'm not aware of or something offered by Mastercard themselves.  

[red259]

---

@coreysw12 wrote:

If it were me, I'd still use the Amex Platinum even if I didn't need the Primary coverage. It has much higher coverage than most secondary CDW coverages offered by most cards. Up to $75k for rental car damage & $5k personal injury per accident, plus $1k theft coverage for items in car.

Many secondary coverages don't offer any injury or personal items coverage, and don't offer enough to cover cars over a certain value (or outright won't cover them at all). $75k should be enough to cover any reasonable car you'd ever be renting, unless you have a habit of spending a fortune renting super-high-end european cars.

---

Is that the default insurance with amex or the one where you have to pay extra to amex? 

[wasCB14]

---

@red259 wrote:

---

@coreysw12 wrote:

If it were me, I'd still use the Amex Platinum even if I didn't need the Primary coverage. It has much higher coverage than most secondary CDW coverages offered by most cards. Up to $75k for rental car damage & $5k personal injury per accident, plus $1k theft coverage for items in car.

Many secondary coverages don't offer any injury or personal items coverage, and don't offer enough to cover cars over a certain value (or outright won't cover them at all). $75k should be enough to cover any reasonable car you'd ever be renting, unless you have a habit of spending a fortune renting super-high-end european cars.

---

Is that the default insurance with amex or the one where you have to pay extra to amex? 

---

$75k is for the less expensive of the two extra-fee options. The more expensive one has higher coverage limits.

$100k damage

$5k personal property ($10k max if multiple covered persons)

$15k secondary accidental injury

I don't often rent cars, and I can be slow to figure out the quirks of unfamiliar cars, so I don't mind paying a few dollars more for higher limits. CA resident rates are pretty modest with either option.