I’ve run into similar headaches, though not with a luxury car—just a regular sedan in Missoula. My credit card supposedly covered everything, but when the rental company wanted documentation for “loss of use” and admin fees, it turned into a paperwork chase. I had to make a dozen phone calls, and eventually just paid out of pocket for a minor scratch. That left a bad taste, and now I’m way more cautious.
I get why people skip the extra insurance, but the fine print is brutal. I always wonder: are there any rental companies in Montana that are actually easier to deal with on claims, or is this just the industry standard? It feels like the more expensive the car, the more complicated the process gets. Has anyone had luck with a particular company being more transparent or reasonable about claims and paperwork? Or is it just wishful thinking?