As long as your policy carries liability for injuries to others, property damage for damage to other property and collision for damage to the rental vehicle you should be fine. That is unless your policy excludes rentals. Most policies don't but some companies won't extend to rentals. Comprehensive will cover fire,theft and generally glass, flying objects etc. You will have to pay your deductible and yes, if the accident was your fault you could possible lose a driving discount but that all depends on your state and your insurance company.

The liability might not automatically cover the rental car because somebody else could be using your car while you are gone, meaning you'd be insuring two cars for the price of one. It depends on the laws of your state. If your agent says that liability DOES extend to the rented vehicle, ask them to point it out in your policy. When it comes to insurance, if it's not in writing it isn't true. Credit card coverage is usually very good, but again be sure to read all the fine print. There are likely to be "exceptions" and "exclusions." Plus, it usually covers damage to the rental only. Keep in mind that even though credit card coverage would pay for repairs, the rental company will still want to collect the daily rate from you while the vehicle is out of service. Typically, the insurance will NOT cover that.

Asking for rental agreements, birth certificates and lunch menus is all well and good but I'm highly doubtful they're going to send this to you just because you request it, unless you use a subpoena. I personally would be very annoyed with a company sending out *my* contracts to every Tom, Dick and Harriet who requests it because they don't want to pay a bill, whether the bill is valid or not. AFAIC that's private data between the company and me and giving that out could be a potential violation of data privacy. I'm not sure they can give it out like that. The big question is how much time, effort and money will you spend on this? I'd definitely be looking at the paperwork, who signed it, who checked it in and the like. You could subpoena the the person checking it in to testify or at least get a deposition and/or affidavit about it. Likely they won't remember much, especially if they want to keep their job, if they're still employed there. Trying to track them down if they're gone, well that might not be easy or cheap either. Did you agree to arbitration for dispute resolution? What state's laws control the contract? This can make a difference too if you want to go that far. Fine print usually has a number of quirks in it. If you live in Texas and agreed that Delaware's laws will apply, that can be another monkey wrench tossed in. I do think you're doing the right thing to take the position that they haven't proven anything to you. (They who assert must prove.) Have they sent any estimate from a repair shop or is it just their standard claim amount? $500 isn't much damage. Scratches, small dent or two will hit $500 these days. I'd be going above the person sending this. I'd also go back to the person who initially agreed to drop it. Did you document time, date, etc and did they put it in writing that they'd drop it? I'd look over the contract too and see if there's any time-frame that could help you. How long do they have to make a claim and such. I certainly wouldn't go off saying you're representing yourself or anything like that since that's redundant. Obviously you're representing yourself. I highly doubt they'll take you to conciliation court. It's not worth it to them either. They'll probably just badger you, try screwing with your credit and the like and of course the dunning letters to get you to give in. You actually have some proof in your favor right now. They supplied you with a photo that apparently shows no damage. I'd use that to my benefit too, send it to the hierarchy and say this is proof that the vehicle wasn't damaged by you. Or save it for the credit agencies and collection agents. two.25acres raised good points. Comp claims won't normally count against you and *if* you're satisfied that the damage occurred while in your possession, since in reality a rock could have flown off a truck or something, it wouldn't be too big a deal and insurance companies like to split the difference a lot so they'd likely settle for a couple hundred. This is something you could negotiate too. You could offer them $100 to resolve it, with no admission of liability and to resolve it too, but I'd be sure to make it clear that this is just offered as a resolution and that you're fully satisfied that you're not liable, will be proven as such in court, etc. Let's face it, involving a lawyer is not a financially prudent thing to do. You'll pay far more than $500 to use an attorney and may well still be found liable. You won't get even an inexperienced lawyer for $500 since this will involve far more than an hour or two and that's what they bank on when they do this stuff. If you have a check-in statement with an inspection or release and coupled with the pictures you have, you could be in good shape. If you don't, you might be in trouble. Not right, but the way things go. But again, I'd go back to the one with whom you had the agreement and work that end first. Good luck.

My husband used them out of the Atlanta airport a couple of times. He had a good experience with them. I think he got a little Fiat 500 one time and some sort of crazy Camaro convertible another time (because they ran out of what he originally reserved). I have no knowledge about under-25 or extra drivers. He's always been on his own when he used them. Oh, and he's always been old.