I wondered about that too. I think it would be a battle between you and your credit card company. You’d have to make a case to them you paid with your credit card for the rental. I elected to prepay fuel, so the card was associated with the rental. Unfortunately, we didn’t do as much driving as planned, so Budget came out ahead on that.
With all the traveling we’ve planned this year, we elected to get an annual travel insurance policy. Included with it was collision damage coverage to the rental car. I assume our personal auto insurance policy covers any liability issues with renting.