Had hail storm damage at Yellowstone National Park in September 2 years ago with a Thrifty rental from a franchisee which was lease-financed by some company based in Las Vegas!

The initial filing of claim with MC both by phone at JAC and by mail after we returned home was smooth. However, somewhere someone dropped the ball and nobody followed up the claim. Got a call from Thrifty's insurance handler in Las Vegas almost 5pm on day before X'mas Eve. The woman was trying to get hold of us before she proceeded to send the Thrifty bill to collection agency because she was not able to contact us (we went on a 10 day Caribbean cruise and just got back that day!) while MC insisted we haven't filed a claim when she called MC to inquire the claim status.

Long story short, after given the Thrifty's lease counter part the MC claim number, claim agent's name, plus a lot of phone tags in the coming 2 weeks, MC settled the $2250 repair bill no problem, but refused to pay the Loss of Revenue portion, citing insufficient date provided by the rental company, the Administration fee is not covered by MA (but covered by Visa). We negotiated with Thrifty's handler and paid $350 or so out of pocket.

From my research, the Loss of Revenue is very difficult to get paid. In fact the MC agent was ready to cut the check for the Repair and did not want to wait for the Fleet Utilitization data when I asked him to wait for that being faxed to his office. Hindsight, MC had no intent to pay that portion from the beginning.

I imagine if the rental car location is a corporate location, the process would be much different. In our case, it was not only a franchisee, but a company that the rental fleet was leases financed by some company in Las Vegas, when the franchisee itself has a company based in Billing, MT, with 2 rental locations, incl the one at JAC where we rented from. All the fleet paper work and repair estimates came from Billing, MT and all the insurance claim process was handled by the Las Vegas company - thus making the whole thing more complicated.

However, like I said, once the ball started rolling, the claim was settled in less than 3 weeks. Though I learn now that if you have a claim, dont expect the CC side would automatically handle it smoothly with the rental car company - you being the one who filed the claim, really need to follow up if you dont hear a thing one month after you submit the claim to make sure the claim is taken care off - DO NOT ASSUME they will settle between each other.

After the claim was settled, MC did send us a letter with details on what was paid and what was denied - the first letter we got had incorrect info though. I had to request a correction because I wanted it to show the items MC denied would match with what we paid out of pocket. The 2nd letter did have everything correctly detailed.