Hi I hope this is the right place; since this doesnt really have anything to do with Chase or MP but just a feature of the card I wasn't quite sure where it would go. But Basically does anyone have a good definition or explanation defining the differences between Primary/Secondary CDW coverage on rental cards? I got the email offer for the 65k and it says offer ends 6/30/12 so I thought I would try to get it now, but wanted more information regarding the CDW coverage it provides. From what I've gathered the way it goes down is this. Primary You get into something; Visa/Amex etc pays for the entire charge. Nothing out of pocket for you & no record to the DMV insurance people. Secondary You first have to claim the damage from your personal Auto Insurance; Thus having a ding on your record and possibly increasing your rates. Then you claim the deductible and any excess that your primary personal insurance wouldn't cover. Is that right? Does anyone have any experience with using the CDW this card or of a primary coverage card (I think Amex Plat is also primary)? --- What do you know; I just got another email saying this offer expires 7/6/12.