Perhaps the best option is to leverage the benefits that are provided to you through your credit card. First, check your normal car insurance and credit cards to see if you have enough coverage already. If the Common Carrier provided credits for future travel, you must provide documentation specifically verifying the credits expired or were forfeited without use. With AMEX premium coverage, you need to pay an additional fee with every rental. Lucky, we had a similar experience in Croatia a few years back. Points on prepaid hotels booked on amextravel. Note that this website may not provide information for canceled flights. The benefits described in this Guide to Benefits will not apply to cardholders whose Accounts have been suspended or cancelled. We operate independently from our advertising sales team. This is a summary of Premium Car Rental Protection, an optional insurance product offered through American Express Travel related Services Company Inc. How much is rental car insurance per day? This is known as the excess. Never rent from a private individual as you may not always be covered by their insurance.