Scenario: I have a 7-day rental on a car from Budget Rent-A-Car. I purchased the rental it with my Capital One Platinum MasterCard, which has rental car coverage. During the evening--below freezing temperatures--a tree above my driveway appears to have lost a branch and has nicked the hood (Photo 1, Photo 2) of said vehicle.
Per my credit card agreement:
- I have not rented the car more than 15 days consecutively.
- I used the credit card to rent the vehicle.
- I am the driver and signer of the rental agreement.
Whom do I call to report the damage first: The rental car company or the insurance provider? Furthermore, can I just get them in contact with each other perhaps to help them coordinate more effectively?
I just want to make sure I am utilizing my resources most efficiently.