@misst The thing is if you understand what is and is not covered, your credit card does pay and you will save tons. My workplace also explains this in great detail since we rent cars all the time, and are explicitly told to reject LDW/CDW. I have had three separate instances where credit card insurance covered damages to rental vehicles. One was in BC, rented a car for work with my work AMEX. Was rear ended. Dropped the car off and said here's the guy who rear ended me insurance, and opened a claim with AMEX. It was a resolved without me hearing about it. Sometime later I got a letter saying the claim was closed at $0, which I take means the rear enders insurance paid.
One was in AB, rented a car for personal use, scraped it against a wall since I'm an idiot. Opened a claim with my insurance, they paid and same thing, only heard about it to get a letter saying this was closed out. I don't recall how much insurance paid. I was only 21 when this happened and was a user on my dad's credit card. He basically told me what to do and even though I found it stressful, it was ultimately very easy.
The third and most recent was again driving for work in a rental, giant rock hits the windshield. This time I knew what to do and it was easy peasy.
Also why I don't drive my personal car for work... Knowing now what can happen the milage payment isn't worth it for me.