Change of Plans
I had originally booked a rental car for a trip to Iceland using my credit card points. Two days before, I canceled the reservation and booked it again with my credit card, which provides rental vehicle coverage. It looked like the weather wasn’t going to be great while we were there and I wanted the extra protection.
While there, we got into an accident for which we were not at fault. The car was almost a total loss and I had to pay $12,000 out of pocket to the company.
It took a few months and a ton of paperwork, but the credit card company refunded all of it. I still think about how lucky I was that I changed the booking. I would have been ruined for a very long time otherwise.
Story credit: Reddit / othercrazycatlady