Okay savvy travelers, I need help. We had a delightful trip to Italy last May/June but just received a bill from Hertz at Malpensa Airport for 285 euros for damage. It's true that while we were driving a rock on a freeway hit the windshield and caused a big crack. We were prepared to discuss this when dropping the car off, but they were backed up, didn't inspect the car and just took our keys. So we thought we were in the clear.
Yesterday (approx 3 months after the fact), I get the letter in the mail which also says this the second notification (nope) and they will be sending to Collections if I don't pay up. So I went to file a claim through my MasterCard that I used to rent the car which covers these sorts of things. But on the last screen of the online claim form, it asks if I declined the collision damage waiver by Hertz, which in fact we purchased for 60 euros...and says that we must decline it in accordance w/card member benefits yadayda. So I'm assuming they will not cover it now? (Although they didn't explicitly say that.) I tried to talk to a live human who knew but was unsuccessful.
And here's what I also don't understand: The letter from Hertz says "As the collision damage waiver was purchased for this rental, in accordance with the rental agreement, you are responsible for all losses and costs incurred by us if the vehicle is lost or damaged during your rental up to the non-waivable excess amount." On the reciept it says next to collision damage waiver (Excess: $1600 per incident.)
Isn't the point of buying the collision waiver so we are covered for things like this? Can Hertz come after us for damage they didn't discuss with us when we dropped off the car? Is the lesson here to never buy collision insurance because credit card companies then won't cover it? Do we have to pay it? Headed to Kauaii in a week which will involve another rental so I want to understand the best way to do this. Hopefully, others can benefit from advice on my experience.