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Return the car and then call American Express to open up a claim. AMEX is pretty efficient in handling rental car insurance claim.Understanding Your Protections (Insurance) Options: Peace of Mind for Your Next Car Rental: In Summary: A personal policy or credit card coverage may not be enough.

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The Rewards Are Yours With an Excellent Claims-Free. annuity products are issued through American National Insurance.View complete terms for the Car Rental Loss and Damage Insurance benefit on American Express.Secrets to unraveling car rental insurance. Premium Protection from American Express. about insurance deductibles, submitting claims to third.

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