Hi, I have recently received correspondence from SiXT Munich (airport) in relation to a car rental from February 17. I upgraded car (concious of icy roads) and then also took full insurance with 0 excess options for fear of an accident. The driving conditions were terrible from Munich to our destination Thiersee in Austria and we (myself and my son) were crawling along. On my way to our Austrian destination I skidded on a bad bend on the road due to snow on the road. I was going maybe 30KM max due to nerves. I hit a snowbank on the passenger side and after 15 mins of anxiety about my son, after calming down, and thinking there was no damage I continued on. I tried to call SiXT at the time but couldn't get through. The next morning there was a crack in the fairing on the car. Three days later on return, I informed the lady at the counter of the issue and where the damage occurred and how. She just took the keys and said I was covered. Anyways cut to June 17 and I now have a bill for over €3500 for damages as I hadn't submitted a damage report. I requested documents so I could fill them in but apparently, there is a cut-off for filing an incident report. I'm a nervous wreck about this as I don't have the money to pay. All I want to do is file the report and come to some sort of amicable arrangement. I took insurance to avoid a mess like this... Can someone please help me?