Not that long ago we were in Barbados where I scratched up our rental car very minor damage (~650 USD). Anyways I thought that the claim process was going to be long and rigorous but rather the opposite. Dealing with American Express outsourced claim management facilitator AXA Assistance was a pleasure. I haven’t gotten the money yet but the claim was processed quick and efficiently. There was a number of forms and documentation required as part of their assessment and requirements but pretty standard stuff. Anyways good to know that the fees was all pay to have these credit cards pay off in the end when we need them to.