Had a Hertz car damaged by a storm today ... ripped part of the bumper off. Clear the damage is not "road damage" (no abrasions, etc. on the paint). I didn't buy the Hertz insurance, and my cc doesn't cover rentals. I have full coverage insurance (comp, collision, liability) that should cover me. I don't want to make a claim though ... as I'll eat the $500 deductible. Any way to avoid this? Best way to manage the financial damage to me? Any advice appreciated.