I’d say it was worth three shots 😉
I mean, if these are caused by sinkholes, then that should have been addressed during construction. Roads can be very thick and are made of lots of different layers, each of which should be compacted very regularly and thoroughly during construction. If sink holes are common in the area, then they should have designed countermeasures to minimize their impact. My understanding of sinkholes, is that they typically form due to water phase erosion, which again, should have been known and at least partially accounted for. But, hey, I’m not a civil engineer, so I could wrong, but those definitely seem more likely to be potholes as opposed to sinkholes.
Have you ever used the purchase protection from Amex specifically? Cause a lot of places tend to have decent return policies. Do you often use the Amex in a situation where you would actually need their specific protections? If you’re worried about fraud, a lot of cards have good protection from fraudulent charges. I’ve had three different instances of fraudulent charges on various cards and have always been able to get the card company to handle it, and it has always turned out ok for me. Obviously, that can’t always be the case, but in my experience, it is not necessary to pay for a card for the added protections.
Personally, I have three cards. One stays on the drawer and is from a specific company and only used for a monthly charge from that company to get a discount and is setup for auto pay. I carry two cards with one being my main and the second is there in case there are issues with my main for some reason.