So I rented a car during the summer in Switzerland and there was about $600 damage to the car tire. I paid with my Chase reserve and had initially rejected the insurance offered by the rental agency but then the girl said since the car is over 75k, the limit of reserve card insurance, how about we insure you for the remainder just in case the car gets totaled and it was about a 20k difference and the cost was very miniscule so I said sure.

However now the credit card insurance is rejecting my claim saying I didn't reject the insurance but I did and this was to cover the part chase does not cover. I asked Sixt for a letter stating this and they said they could not provide a letter like that. Am I SOL or do you guys know a way I can appeal this decision with the credit card insurance.

Thanks