Originally Posted by
toomanybooks
Weeks later I start getting emails from Diners about it and it turns out I had to submit all kinds of crap via scan. Original CC receipt, photos of the damage, original car rental agreement, copy of damage estimate, copy of my driver's license, repair shop quote or bill, copy of CC statement (Why, don't they have it already?), on and on.
First of all, which Diners Club type of card was this? Different cards (Personal vs Professional vs Corporate) have different primary car insurance coverages.
Second, did you really have all this communication with Diners Club (BMO) themselves? I would think you were actually communicating with the third party that administers the Diners Club primary car collision coverage, which is not Diners Club (or BMO) themselves. (But who that is depends on the exact card you have.) So "they" as in Diners Club (BMO) may have your statements already, but "they" as in the third party that administers the coverage may not.