[tiltrus]

I had a similar problem with a car rental agency 2 years back in Netherlands. A small scratch and they were coming after me with 2k euros in damages. I had their CDW, but they refused to acknowledge it stating some TOS nonsense. Took me several months of constantly calling their office (they never reply to emails) to settle for a tenth of the cost. Took me another month to get a the receipt and written confirmation that the case is now closed & settled.

The lesson I learned here is to use my Credit Cards CDW and deny the rentals insurance always.

Tbh, I feel that most car rental agencies make their profits through these crazy insurance schemes.