Paid in full on the damage part (hail damages on the body at West Gate outside Yellow Stone NP), about $2300.

Denied the "Loss of Usage" and the Admin Fee. Card used was Citi's Premium.

Incident happened in Late Sept. Claim filed immediately over the phone, got instruction on the doc required (including a Police Report which the Jackson Hole Police Dept did it as "Citizen Service". We were not able to submit documents until mid November because by the time we got all doc in place, our area was hit by Hurricane Wilmar and the 3 counties in South Florida lost power supply for 3 weeks.

Rental car company was Thrifty. Location was a franchisee whose financing handling office was in Las Vegas. We got a call from the Las Vegas office right when we stepped in our home returning from a 10 day cruise on X'mas Eve... Agent told us she tried multiple times to get in touch with us the whole week when MC told her we did not file claim. She was about to hand this over to collection agency but decided to make one more call... Imagine my shock! (phone answering machine proved she did call and left messages but we were on a cruise...)

Once we gave Thrifty the MC Claim number, the Adjuster's name and email address, things started to move. Claim was settled in 3rd week of January. I requested MC Rental to send the check directly to Thrifty and provided us a proof. The proof letter was INACCURATE on the amount and such. Had to request it again.

Overall, this experience means we would NOT use any MC for rental car. We used the AMEX Plat in our France trip instead of the A+ despite the Plat only earns 1x.

We ended up having a lot of scratches on the rear right side alloy wheel because at a right turn husband scraped the very high granite curb. It was a rental with Hertz. AMEX settled the claim within a week after filing claim online with doc attached. Small amount in 110 euro so that also explains the speediness. However you get prompt response from AMEX versus it took weeks and weeks before you knew the Adjuster assigned to your claim with MC.

Friend had tire slashed at the inside wall by vandalism at Avignon, France. He had to pay $400+ for a replacement tire upfront after finally got National Spain to help in arranging the repair (rented in Spain, the National France refused to help). He filed claim with CapOne upon return. CapOne asked for required docs. Once he sent it, CapOne sent a check to cover the full cost in 2 weeks. Time took in total was slightly less than a month.

Therefore, there are other factors one needs to consider when getting a card also for spend, not just for the sign up bonus. Some cards are better in some usages.