Tishylu wrote:EXCEPT for a charge of "loss of vehicle rental while being repaired". Which added up to over $100 dollars. SO....yes, the credit card will fill in for whatever your personal car insurance does not cover (and usually your personal car insurance covers liability and medical...but call them first) but it will NOT cover extraneous charges that the rental agencies tack on.
I would definitely have disputed that charge. That would be what is known as "incidental damages" and is always negotiable. In many states it would be illegal for them to collect that. In any case, it would be doubtful enough that if you disputed it they would likely back down since the effort and paperwork required to document it and verify it is legal would cost them more than they would collect.
I did hear a horror story once from a guy that rented a car then accidentally used the wrong card to pay for it without thinking. He was rear-ended by an uninsured driver. The incident cost him over $10,000! The car was worth a lot more. The rental agency had basic insurance that covered the car. He just had to pay a deductible basically and his own expenses.