I initiated a few claims when I was in Scotland through my CC insurance after declining the rental car stuff. One was for a decent door ding when some dingbat on the ferry opened their door and the brisk Scottish wind swooped it from her hand before she could yell "goodness me!"
The other was for a cracked windshield that I wouldn't have worried about, but it had all the camera systems and what looked to be expensive in-windshield defoggers. So I wanted to get the process started before returning it. It was pretty easy, but turned out to be totally unnecessary because I returned it at 6:30am in the dark, heavy Scottish rain, and the guy did a quick walkabout and signed off. But I don't doubt the CC was going to handle it at that point.
|