My rental car was damaged while parked in the parking lot of my hotel a few years ago. I had used my Amex CC for coverage when I rented the car. I didn't have to pay anything before I left the island. I filed a claim through Amex's website and the rental company gave me the info I needed for the claim. Amex paid the rental company the full amount for the damages ($880 USD) within a month or so. I never had to pay a dime out of my pocket and never had to even talk to anyone at Amex. I could easily check the status of my claim through their website. I was actually surprised at how smooth the entire process was.