i hit a wall in my parking lot this afternoon,this is with my rental car from enterprise, at the time of renting i declined all insurance saying that my BankofAmerica American Express card would cover it, now i checked BoA card benifits,its says that it covers "Car Rental Loss & Damage Insurance and Travel Accident Insurance" i just want to know if my accident ,hitting a wall in a parking lot would cover this or not.

somebody educate me on this...thanks in advance