it depends on what the rental car company billed you

and which country you are in when accident happened, whether you have your own car insurance, and which type of card you used, plus the rental car company itself - whether it is a corporate owned or a franchisee - lots of variables.

Obviously the rental car company did not bill you "loss of usage" - if they did, AMEX did not cover such until very recently - as I just received their mailing about important change which is to add this coverage.

I will write a separate post on this subj when I have more time - hope that would help others how to handle such.