Wow. I think the Chase Sapphire Reserve covers that. But, I had an issue when I rented a car to tour colleges with my daughter in unfamiliar territory. Use AMEX or Chase Sapphire but check the coverage first. I took out a right view mirror once and it cost mega-bucks since I waived the insurance.
Yes, CSR covers up to $75,000 as primary insurance before you have to go to your own insurance. Max rental day is 31 days. Every scenario different, so always read the fine print!