Back story: Some dude backed up into me while I was waiting for another parking spot. I'm more annoyed at the prospect of paperwork and the process more than anything else as the damage was light and to teh bumper.

The rental was with Hertz (declined coverage with them). What are the steps for using Chase's Primary CDW coverage on the Sapphire Card? Do I report to Hertz AND Chase simultaneously? Or do I report to Hertz first and wait for them to bill me?

The reason I ask is because my gf and I got into a situation like this 3 years ago and after HOURS of calling Hertz and Amex (we had the premium AMEX rental coverage back then prior to Chase going primary), we figured they wanted us to report to Hertz first, and then only contact AMEX once we get billed. My confidence is like 75% on that because everyone we spoke to was generally incompetent or clueless. In the end Hertz never contacted us back or even charged us. It was a minor bumper damage too, and I'm guessing unless its serious damage they don't really bother pursuing all repairs.

I figure I'd try my dice here asking if anyone has had experiences or has any definitive knowledge on the process before I embark on a painful customer service phone roulette game....