Originally Posted by
DebitNM
...as far as using MC when making car rental reservation [which is one of the requirements for their covering claim; as it was stated above... you do not need a card to make a reservation so that seems like it would be an automatic out for the CC company.
My interpretation of "initiate" would be that you must use the Mastercard at time of reservation or present the Mastercard at the time you picked up the car (or both). I believe they are trying to guard against the situation where someone might use one card at the begining of the rental, then switch to the one with better coverage after the damage has occurred.
By my understanding you complied with this requirement, the issue is really that you did not directly pay for the rental with the card because it was included in the hotel package.
Does your card offer primary coverage?