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In short, Amex customers can be more valuable to merchants because they tend to spend more and make larger purchases. So why do fewer merchants accept Amex? Historically, the answer has been because Amex charged higher credit card merchant fees than Visa and Mastercard. According to Amex, this is no longer the case.
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In most cases, yes, you will have to pay a car insurance deductible for vandalism. The deductible is the amount you pay out of pocket before your insurance kicks in. Vandalism is typically covered under comprehensive coverage. If you don't have comprehensive coverage, your insurance won't cover the vandalism damage.
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