Chase says this about my Chase Sapphire Reserve card:
"Auto Rental Collision Damage Waiver
"Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad."
A cardholder's experience is here:
https://frequentmiler.boardingarea.c...car-insurance/
I have a USAA Ltd policy for my UK car that covers me for liability and collision in Europe and North America. When I rented once with Amex and my hire car was damaged in a parking lot their coverage was secondary: USAA paid $600 and Amex $100. Chase would be primary and would pay it all.
An America-based USAA policy would only cover North American rentals. Many credit cards provide secondary CDW like Amex, or none at all.
I rented a car in Montreal Dec. 3-6, 2016. I took CDW because USAA wrongly told me over the telephone that Canada wasn't included. As it happens I returned the car some hours early, the afternoon of Dec. 5. A good thing too:
https://www.youtube.com/watch?v=0BhhsEuYXZQ