Fortunately I paid for the rental with my American Express Platinum card, which provides secondary collision coverage through their basic car rental protection (though in the meantime I’ve signed up for their premium car rental protection, which costs a flat $24.95 per rental and provides both primary and secondary coverage, along with a bunch of other benefits). You guys helped me figured out the exact benefits, though there seemed to be about a hundred different opinions as to whether I’d need to report this to my insurance company first or whether I could deal exclusively with American Express.
So I figured I’d provide the “final” report. A week after getting home I opened a claim with American Express, which could be done online and took all of 10 minutes. I simply had to fax or scan all of my correspondence from Europcar from thereon out.
I didn’t hear from Europcar for a while, and then in early September they sent me a bill for roughly 1,100 Euros (not as bad as I thought, actually). I faxed that to American Express, and today received an email from which, which in part reads:
This email is to notify you that your claim has been reviewed and that payment has been made.
Sweet! As much as I spend so much time focusing on the points earning benefits of credit cards, this whole experience was awesome. I spent a total of maybe 15 minutes on this (filling out the form online and faxing American Express the Europcar bill), and they took care of the rest.
Kudos, American Express!