Could be the damage was for more than that, and Viking bought the "debt" from Hertz for less than $200 (debts are typically sold to collectors for pennies on the dollar) and Viking is proposing $200 as what they feel they can recover. Typically, though, the collection agency would still pursue the full amount and perhaps negotiate it down, so it could very well be $200--maybe they found a scratch or something which wasn't on the condition form.