Until you get killed with the insurance costs.
Using my sapphire to get rid of that hopefully.
Common misconception.
The credit card will probably cover you for any damage encountered by your car.
Any damage incurred by another vehicle you will have to pay for (or buy insurance in advance).
So, worst case scenario, a guy in a Lamborghini hits you and totals his car. You either pay for it, or get a lawyer to try prove it wasn't your fault (or pay for liability insurance).