I have been thinking about Dom's accident and his experience with Royal and staff.
5 years ago, we were rear ended (not our fault) and there was quite a bit of damage to the rental car.
Our car rental was thru Tropic.
Hans came to the scene, the police came, the woman who hit us admitted fault.
We did not have any additional insurance. (used our Discover card)
Hans gave us another car and got a copy of the report from the traffic/accident police.
We got a copy too for our files.
Nothing was ever put thru to our credit card company.
From start to finish it was 1 hour and again, no paperwork for us.
Similar situation with friends Bill and Arlene. They were rear ended at Baby Beach. The mtorcycle that it them caused damage to the rear of their car (they rented from Avis). The motorcyclist was at fault. The same process, nothing was ever put thru to their credit card Avis just gave them another car.