Submit the claim to your insurance company. When they deny the claim (which I think they will), send a copy of the denial letter the amex and tell them to pay. If they are excess, they become primary once the primary carrier denies the claim. Good luck,
Henry Moore, Attorney
Board Certified, Personal Injury Trial Law
316 W. 12th, #318
Austin, Texas 78701
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Mr. Moore's suggestion should work for you. Also make sure that you did not purchase collision coverage from Hertz.
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You need to submit the claim to your insurance company - if they cover it problem solved, if they do not send the denial letter to AMEX and they should then be "in excess" of any other applicable coverage.
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Call AMEX and tell them that you owned no car at the time of the accident and, therefore, had no personal auto insurance policy. If they don't change their tune, send a certified letter stating the same thing and requesting a response in writing within 15 business days. If they response is still a denial, take it to a personal injury lawyer who handles insurance bad faith claims.
All information provided here is for educational use only and does not constitute legal advice nor establish any attorney-client relationship. Paul H. Cannon is licensed to practice law in the State of Texas. Laws vary from State-to-State. For legal advice and opinions, please retain the services of a lawyer licensed to practice in the appropriate state or jurisdiction.