Rental cars too. Learned this in Geneva upon returning a rental that i had hit a cone and scratched. Dude at counter was like " oh you booked thru your AMEX- all good"
im like " huh?" - he said your AMEX provides up to a certain limit of Physical Damage ( i think its 50,000/75,000 depending on card type ) when you book with AMEX so they will cover. I didnt have to do a darn thing. Got on flight and it was taken care of.