Should I pay LDW for a car rental, stick with just secondary insurance from my AMEX card or pay an additional fee to AMEX for primary insurance?

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It depends is the only answer. How long will you have the car for? Do you have car insurance? What kind of roads are you driving on? How risk averse are you?

If it’s frequent, consider getting a Chase Sapphire card that has primary car rental insurance. Otherwise I’d just stick with the secondary car rental insurance from AMEX

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