Making a CC CDW claim need not be any kind of hassle. I always decline CDW. I rent with Unity - I get extra liability to make my wife happy - if it was just me, I would not. Couple years ago I damaged a car backing up. I took pictures with phone and emailed them to Mike. Called CC company (think it was a Citi card) and they set up claim number and emailed me form. I filled out form online and emailed to Mike. He took care of everything else - CC paid for damage/repair. I spent about ten maybe 15 minutes on entire process. If you have decent CDW coverage with CC - I cannot see any reason not to use it.