As for the Bank Of America World Card, all the info I've got is my original 3-year-old packet of papers, and I couldn't find anywhere on the BOA Website with a downloadable copy of the terms and conditions. Time to call the number on the card and ask for a hard copy of the terms, I guess.
I've no experience with BOA credit card car accident insurance claims, but I think it, like most credit card car rental insurance, is secondary to your main car insurance policy. And that depends on the rules of your state's insurance regulators. I don't have such a policy, because I don't own a car, but I rent several times a year, and never ever buy the CDW. Here in Minnesota, car insurance rules require that rental car collision damage be covered on all policies issued here. Included with the mandatory liability coverage with no deductible -- this part varies by state where policy issued. And the rules about fault, and no-fault, vary by state where accident occurs.
I've had 4 property damage incidents with rental cars in the last 45 years. One cost my credit card issuer, not a premium fee issuer, $2850 for a deer strike (It truck the car, not vice-versa) plus a bit of my time for me to send in photos and accident report and affidavit. Two cost me nothing ( a boulder fell off a dump truck and ripped the oil pan open, and getting rear-ended while stopped for a red semaphore) , and the last one cost about $700 for a very minor bumper car fender-bender in a parking lot that I was so ashamed of I just paid cash to Alamo and filed no claim.
Of course YMMV. The state where your own insurance policy is issued, and the details of the card issuers policy are important. I think a few premium fee-bearing cards may offer primary coverage, not sure about that.