Recently was charged a hefty amount by the car rental business for a very tiny chip to the windshield created by a rock thrown by the car in front of us. Once home, I submitted the required forms on line (took about 15 minutes once I found everything I needed). Be sure to read the agreement before you rent your car so you know what you will need from the rental agency if there is an issue. I was not sure whether to say I was at fault or another person was at fault but fortunately said I was....read later this is the way to go or else you must have a police report to submit. If you don't have that report you may be denied according to other stories I have read here. Once I submitted the requested information I was reimbursed directly to my bank within 2 days. I have already booked this plan for my next rental outside the USA. I give them 5 stars.