Hi -

Searched and can’t find the answer to this. Hopefully someone knows or has experience. Also maybe someone else will benefit from the information.

- Rented from Hertz in UK. Basic CDW and Theft Protection included in rate. £1,000 deductible. No option to decline.

- Used Chase Sapphire Reserve Visa - card is issued in US. Hoping to use included CDW insurance. (I know it says I have to decline rental company CDW but I couldn’t. Hertz rep says it’s “included “ in the rate.)

- After drop off Hertz is saying I owe about £150 for minor scuff on wheel. (Annoying - rental company money making scam - in my opinion of course.)

- I’m reading the Chase insurance doc. It says decline CDW but “if rental company insists that you purchase insurance then call the benefit administrator”. I didn’t do this. Not sure what would have happened if I had.

Questions:
- I’m assuming any claim will be denied due to the “included” CDW. But maybe since I didn’t have an option to decline there’s a chance a claim would be paid. Does anyone know?

- What should I have done? Any way out of this Hertz trap to invalidate credit card company provided CDW? Has anyone ever called the benefit administrator from the rental desk with a situation like this? What happened?

Thanks to anyone that can help!