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From the AMEX Web Site

Use your Card - When you are the primary renter,
simply use your eligible Card to reserve and pay
for your auto rental.

Say "No Thanks" - Decline the collision damage
waiver (CDW) or similar option when you are reserving and picking up your car from the Commercial Car Rental Company.

Enjoy the Ride - The Car Rental Loss and Damage
Insurance Plan provides coverage against theft of or
damage to most rental vehicles. Coverage applies for the first 30 days, and is in excess to your other sources of insurance.
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Beware Flood-Damaged Cars
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