I rented a car from Hertz in Seattle a couple of months ago. Assuming I'd have full rental coverage when paying in entirety with my Chase Sapphire Reserve, I declined all coverage officered by Hertz. While parked in a lot, the back window got smashed in (as did windows of other neighboring cars) in an attempt to loot the contents of the car.

As expected, Hertz sent me an invoice for the damages. I filed a claim with Chase and provided them the requested information. All seemed well, except Hertz just contacted me a couple of days ago saying that Chase was not willing to cover the "Diminution in value" line item that Hertz included in the damage assessment (the DOV was about $136).

I contacted Chase and they confirmed that they would only cover the cost of the repairs and not the diminution in value. Now, Hertz is demanding that I pay the amount that Chase will not cover. I thought that with a premium card product like the Sapphire Reserve, I'd have nothing to worry about when it comes to car rental converge?

Do I have any recourse in this? Any guidance is greatly appreciated!