I was driving a hertz rental car and was hit by another driver from the back while at red light. The driver was at fault but had no insurance. I rented the car using my amex which said it would cover for collision damage. Filed a claim with amex who said "insured for Automobile Liability under a Texas Auto Policy. Accordingly, you will need to submit a claim with your personal automobile insurance carrier. our coverage is in excess of any other applicable insurance coverage . Furthermore, Texas Auto Policies should provide coverage under the Auto Liability section of your policy and no deductible would apply" I do not own a car but live in texas so have non owner auto liability insurance. At time of rental declined coverage cause of credit card. M confused who should be paying here?