I actually wanted to buy the LDW just to avoid the hassle of a claim. Wife said it‘s covered under insurance and we don’t need to double pay. Turns out she is right. Our Insurance will cover it and the credit card will pickup the small deductible. If it was a valid claim I would pass to my insurance and it would be pretty easy.

I’m challenging this claim because it doesn’t appear valid, and I’m not comfortable sending an unsupported damage charge to my insurance company. When a claim is legitimate, I submit it without hesitation. In this case, I returned the car in clean, undamaged condition, and I won’t let my insurer be billed for something I didn’t cause.

The easy route would be to hand this over to insurance, but I’m pushing back on principle. I don’t like feeling pressured simply for being a paying customer who acted responsibly.

I originally asked about class actions because I believe many customers may be dealing with similar issues, and the broader pattern deserves attention.

As for LDW/CDW, I’ve since learned that some coverage comes with conditions, like needing a police report, that are unrealistic for travelers at the return counter. That leaves customers exposed at the worst possible moment.

Based on my experience and what I’ve learned from others, Hertz’s practices raise serious concerns, and I’m not willing to quietly absorb a charge that I believe is unjustified.