Originally Posted by rthib

I would check your policy. Most have a requirement to report any accident. If you do not you are violating the terms of your policy and that can cause issues in the future. There is a police report so the insurance company is going to find out regardless.

And you did the right thing by going through your insurance company. The last thing you need to do is waste more time dealing with their insurance and their lawyers. You pay your premiums so you don't have to mess with that - something happens and your car gets fixed. Your insurance company has an incentive (and the time and lawyers) to go after them to get repaid.

If you have to play games to keep your insurance rates low, it is time to find a new insurance company.

As to the other issues, write to the GM and also Marriott Customer Care.