That is why I ask you, have you had any ACTUAL experience when you make the statement? A real life experience often does not match with what is stated on paper, unfortunately.

MC insisted the log was not detailed enough. The logs showed an 89% utilization rate of the fleet. MC insisted to see the actual nitty-gritty of every rental in the period. Needless to say, the rental car company would not provide such info as it viewed such as business proprietary information, especially the pricing. I can understand their stand. Judging from the scene at JAC, I agreed with rental car company of their utilization rate. Customers did have reservation had a hard time to find a car, on the day we picked up our rental - this was the same accross all the rental car counters on that day. I saw someone had to settle for a van for just 2 persons, as that was the last car left. There was also a weeklong publishing industry convention / exhibition started a day before we returned our car. So, from our observation, the rental car company did not lie about its utilization rate.
The body job would take our rental car out of service for at least 2 to 3 days, as it would require several coats of paint after the dings are filled - there were at least 2 doz dings of the size of a dime, and about 10 or so the size of a quarter, fwiw. The repair shop is not in JAC, but in Billings, Montana, another town north of Jackson hole.

Basically MC just makes it near impossible for reimbursement of the loss-of-usage claim, wordings in the T&C notwithstanding. My sentiment is later verified by an Avis location manager thru PM.

Oh, I would also like to point out, MC first line phone rep readily LIED to the adjuster for the rental car company, that we have never filed a claim.
We not only filed the claim over the phone immediately once we determined the car suffered hail damage. We also sent MC the paperwork, incl filled out claim form, rental car contract, accident report, police report (done on a Citizen Assistance basis as MC rep said we needed police report even it was weather-related damage), AND a full description of the body damage, together with a DVD copy showing the damage, from top to front to rear of the car. MC also have verified that they received all of that and a Claim Adjuster is assigned to our claim, with name and his phone number.

Not until the rental car company's adjuster finally got hold of us, before sending the bill to a collector (we were on a long cruise and did not get home the X'mas Eve), and got the Claim Number from us, she was absolutely unable to get in touch with anyone in MC Rental claim dept. It was that bad.

OTOH, after this experience, I know what to do next time should the need arises.

You just need to be prepared to do a battle, and know the loss-of-usage would be a lost cause, that you would need to negoatie that part with the rental car company.

From what I read, AMEX is the only card issuer that honors its coverage without much of a hassle. Diner's also but that now it is no longer independent, things could change.