Originally Posted by
wxguy
"Either you can remove the charge now, or I'll dispute it with my credit card company and you can explain to your GM why you didn't."
Technically its a valid charge. Also I would under no circumstances be talking with hotel about refunding the charge or giving points back. OP runs the risk of causing a nightmare if claim has to goto court. Let insurance company handle it, and once done then ask for points back.
As for insurance rates, OP wasn't driving thus even in no-fault states this can't be used to raise rates.