@SGF-Did you do something like that with your AMEX and they covered you? I will call back AMEX and confirm what you said about paying a small portion like the airport tax, though my Chase Rewards cover the entire rental including taxes & fees (for better or worse). When i spoke to them yesterday they said that I have to use the c/c for the whole rental charge.
@ Golan- Thanks I will call Chase them and see what they say.
I ran into Protectyourbubble.com a third party car rental insurance provider ($8.00 a day) I might just go with that, rated A+ by BBB and underwritten by an A+ insurance co. Acc to their website they cover the rental as primary insurer with loss of use too, only up to $35,000 though for whole rental. I have a feeling even if my little Toyota Yaris or similar would be totaled ch"v, $35,000 should cover it

. Of course would rather get free primary from United Explorer or Amex, but at least with this its a sure thing (or so it seems) and much cheaper than standard rental CDW at $20-$40/day.
Good Shabbos to all!