Recent experience with primary rental car coverage using RC visa. Rear door hit a post- body work, lost earnings, and depreciation all came to a little over $4,000. Filed a claim online through Card Benefit Services. Got a statement in the mail today that the insurer sent a check for $4100 directly to Hertz. The whole process took about a month. I'm impressed. It's a reminder to always use the CSR or RC when renting cars.