 Now, you can sue the credit card, the rental car company, for the $3,500 in small claims court, yeah. I mean, you can give that a shot. But you better look at the contract that you have with the rental car company. There's a lot of small print on there, and you'd be surprised how little power you have. But in the end, yeah, you can sue them for the $3,500. And you're a complete moron for not turning it into your insurance company.