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Auto rental insurance coverage

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I just finished a short stay in Scotland and had a slight fender-bender with my rental car. My Visa Platinum card recommend waving the rental insurance so I did so. Am waiting for the damage assessment to follow through with the claim (which I've already filed.) The accident happened backing in to a stone wall at the hotel. My one concern was that I was bumped up to a Mercedes .. not an exotic car, and Visa says 'some models of Mercedes are covered." Am wondering if anyone has had experiences filing a claim and what they can tell me.

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