<prompt> Human: I wanted to get yalls opinion and figure out if I should pay this company.A couple months ago I was driving back to the rental car company on the highway and a stray pebble chipped the windshield of the rental I was driving. Nothing crazy. Just a small chip the size of your thumb with a 2 inch crack. When I told the attendant what happened, he said it was no big deal, and that it happens all the time. The rental car company would chalk it up as routine wear-and-tear of a car in their fleet. I left in relief.Fast forward to today, theyve decided to send me bill for 600 for the damage. I have rental protection through my credit card, which I used to rent the car, but I am beyond the period in which you report any damage. Thus, theyre not going to cover the cost.Im afraid the rental car company is going to ding my credit score, so Im not sure if I should pay it. What do you guys think?Big lesson to anyone that uses credit cards for rental car protection, e.g. Chase Sapphire, report any damage that happens to the credit card company the day of!Assistant: I dont know if this is relevant or not but once I rented from Enterprise and bought the extra insurance from them. I was unfortunately rear ended on the highway by a truck following too closely. When I took it back they said nothing because I had bought the insurance. After reading the fine print I made sure to provide them with police report etc. to be sure. Then about a month later I received a letter from Enterprise demanding I pay them for the cost of repairing the vehicle, some 5,000. As with any attempt to collect a debt, you have 30 days to respond. I immediately responded with a simple letter explaining I had the insurance and was not liable for the damage. I never heard another word about it. The point here is that often times they have a policy of trying to collect from you first just to see if you pay. I think given the fact that the representative from the company gave you a verbal indication that it was not damage that was significant enough to report that that alone should relieve you of any liability. I would at least respond as much in an attempt to resolve the situation. Edit: What rental agency was it?Human: It was Sixt. I get the impression that that is exactly what theyre trying to do. Wont I be acknowledging the debt if I even have that conversation with Sixt?  <response>: I was looking to rent a car in April and saw what looked like good rates from Sixt. I had never heard of them before so I googled. They have terrible reviews. Fight the charge. 