the link is for premium coverage which is not a bad option to pay for. However,the Amex cards typically cover CDW insurance for most cars except luxury SUV, exotic cars and pick up trucks
see below
Search the American Express Site
Hmmm... it seems as though Amex is pushing it's Premium coverage as opposed to the basic coverage most card member have. It also seems not all cards have the car rental coverage; I wasn't aware of that.
The original link enclosed in my message had a clear comparison between both options.
Now there is very little mention of basic coverage, liability coverage and, loss of use coverage (what you're responsible for while the damaged vehicle is being repaired. A separate coverage).
Carlos, from the link you provided, i followed another link to find the basic coverage provided for platinum members
here and green card members
here.
They also emphasize calling their 800 number for more details.
Chances are most people will rent a car in DR and never have an accident. However, It makes sense for anyone renting a car to consider carefully what the CC companies are marketing as coverage and what many customers are assuming is full coverage, in the event it's needed.
One last part to coverage; from what I'm reading on the Amex site, there seems to be a vaguely worded reference to coverage in excess of primary coverage (assumed to be your personal auto insurance) and that the CC coverage kicks in after a claim is filed with your insurance company.
"Car Rental Loss and Damage Insurance provides coverage for theft of or damage to most rental vehicles when you use your eligible American Express Card to reserve and pay for an auto rental. Simply decline the collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company.
This coverage is excess to your other sources of insurance and applies for the first 30 days of an auto rental. For more information and eligibility requirements, please call 1-800-338-1670 (outside the U.S. call collect at 1-440-914-2950) or visit us online at yourcarrentalclaim.com. "
Drive carefully.
CJ