[Rick Lee]

Last time I arrived at Munich, I had a reservation with Hertz. I have the Amex Business Platinum card, which always covers rental car insurance, as long as you decline the rental company's. After a 90 min. wait in the line, my number was called. The lady said I had to buy their insurance for an add'l. €250. I, of course, argued that that wasn't part of the deal and that I had specifically declined the insurance when making the reservation. After some back and forth, she pulled out a laminated cheat sheet with a photo of the credit cards whose coverage they would accept. Of course, my Amex was on there. I laid my card on that sheet and asked if they looked similar. What a pain in the ass, though.