I searched for some discount coupons online and I rented a car from Hertz using that coupon (IBM). By default, a Loss and Damage Waiver ($13.50 a day) was added to the rental plan. To be on safe side I've also taken (LIS) a third party liability coverage ($13.95 a Day).

On the way to my destination, I met with an accident. I collided with the car in front of me which has stopped suddenly in a heavy traffic as there is very less reaction time for my car to stop even though I applied brakes. Major damage is to the bonnet of my car. There was a dent on the car in front of me.

A police report has been made. The police shared the insurance details with me and the other car driver. The car has been towed to a nearby lot.

The following day (Sunday) as the location from which I've rented the car was closed, I reported the incident to a Hertz representative at another Hertz location so that they could take care of the car and insurance.

The representative asked me for my IBM ID. I politely said I'm not an IBM employee, I just used an online coupon to get some discount on the rental car. The representative literally yelled at me for using the code without an eligibility to do so and said the Hertz might not cover any insurance in this case.

I told the employee that I've used the coupon unknowingly and I also said that the representative at the another who issued me the car has not asked me for an IBM ID nor acknowledged me with the information about the insurance.

I also told the employee that I've also purchased an extra (LIS) third party liability coverage which should work and cover the expenses. The representative kept on yelling the same information that I've no eligibility in renting the vehicle and just gave me a paper and asked me to report the accident and damages to the car.

The Employee said that the Hertz Corp will contact me regarding the accident, damage, insurance and stuff once the car is recovered from the towing company.

The employee said, for now, all the safety deposit will be taken away because of the accident and also charged me with an additional fee for reporting at a different hertz location. A total of $500 was charged from my credit card in just a matter of seconds.

Please help with the situation and let me know what would probably happen or what I can do in this situation.

Thanks,
Worried Guy.