What do you mean "I lawyered this myself"...

MC officially covers the Loss of Usage - but when it comes to getting it approved - it is near impossible to get it approved. First, it requires the rental car company submit a "Fleet Log" to show the utilization of the fleet. Second, it has to be satisfied by the data on the Fleet Log for approving the claim. In our case the MC adjuster said the data was not sufficient, but did nto explain "why". The adjuster from the insurance agency used by this Thrifty franchisee claimed the usage at the location (JAC) was 93% and usually 85% was sufficient in most cases. She claimed the MC adjuster either did not understand how to read the Fleet Log, or simply unwilling to approve payment. She said she hadn't seen MC approving one single Loss of Usage payment, but Visa did approve some. Though according to her, all her dealings with CCs are all being the secondary coverage. Ours was the first case she handled that CC coverage was primary.

BTW, when you have a claim, it is much better that you being proactive, and call the rental car company to inform them the MC claim number so they would be able to contact MC and start the ball rolling. We sent in the paperworks first week of November though the claim was filed immediately after incident in early Sept. The delay was due to 2 things - MC requires you to send in CC statement showing the charge, AND the credit line of your card (dont know why that is relevant), shortly after the statement arrived, our town was hit by Hurricane Wilma and the tri-county area of South Florida lost power supply for a few weeks. Anyway, MC did not ever contact Thrifty. I received a phone call from the Thrifty incurance agent around 7pm our time on a Friday evening right before the New Year Eve! Can you imagine my shock when the woman said she couldn't reach us for a week,(we just returned from a 10day X'mas cruise) and was about ready to turn our case to collection agency, because MC also never returned her call?!