Had a connection flight for American Airlines, first flight grounded for 3 hrs, missed connection, no more flights out til tomorrow @10am. Missing 4 hrs of work, sleeping in airport overnight, and the line for the help desk to rebook is over 400 people long (leads out of the terminal) so will wait here for hotel voucher but I don’t think I will get to the front (at least for 5+ hrs). Can I book a hotel in my own and get it covered by American later? Or dispute through amex? Any help appreciated

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My experience is that the airline will likely refuse to reimburse if you pay on your own because they can often get better rates than the public at hotels. In a situation like this where there are several hundred people displaced I think it's unlikely that the airline will even be able to find a hotel room for you, so they may make the exception to reimburse, but there will likely be a dollar limit to that. I wouldn't expect to see them reimburse for anything more than $150 or $200 at most if you tried to find a place on your own.

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First move is to always call Advantage line while you wait in line. I’ve been rebooked, hotel & meals covered over the phone gas fee than moving up 3 spots in line.

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