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Several years ago after a trip to the UK and Switzerland someone stole my Amex account info and went to Pamplona Spain and stayed in a nice hotel and ordered a fuckload of room service. I called up Amex and let them know it as fraud and they instantly credited me back while they investigated. Much nicer than having to fill out a form and request a chargeback.
And yes the car rental insurance can save you a lot of money so you are not temped to buy the insurance offered from the rental company. If you get in an accident you don't have to deal with anything like if you used your own insurance.
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