rental car insurance question

Since I don'[t own a car or have car insurance, does that mean that the AMEX credit card coverage would be primary? In any case, I do (automatically) get the Supplemental insurance when I rent using AMEX. But I thought the charge was $25/rental.

Yes, I was told that if I didn't have a primary, Amex would become the primary.

For residents of certain states (including CA.), the charge for the premier protection is $17.95 instead.
 
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