I think that does not belong to my deduct, because I've heard that
there is no decuct in such case. My guess is the 100 is the "admin fee"
that the insurance comp does not want to cover.

To answer loveis --

后注：我原以为自己的保险不cover collision，所以事故发生后就去申请了master
card的collision coverage. 他们的进展很慢，但态度还好，其间我了解到他们如果赔偿
的话也只会付property damage，usually not loss of use,
definitely not admin fee. 最后因为我的保险cover而把我拒了。

Thanks all! I just called my insur comp and I got the answer. The
rental company charges the "admin fee" for their paper work efforts,
while that's actually what they should do as their job, so no one
should pay them this part. My insur comp didn't pay it and asked me not
to pay it as well. So far I am released, and this story almost ends.
Finally I will call the rental car comp and ask them to negotiate with
my insurance. Following are some information to share with you:

1. One really doesn't need to buy insur from the rental if s/he has liability and use a plantium master card.

2. In some states (eg: MN) your liability part aslo covers the collisions for rental cars.

3. Master card coverage is secondary. They will pay all if you don't
have collision; they will pay your deduct if you have deductible for
your insured collision coverage.

4. After the accidents, never pay the rental car for damages from your
pocket (You are not supposed to pay anything. Once you pay them, it's
unlikely that you can get any back from them. ) no matter how they
threaten you.

5. In my case, after a month from the accident, I received the bill
from the rental. I planned to pay them first because they said they
will report and suspend my DL if there's no payment actions within 15
days. But after I called the master card and heard they would't pay it
all, I think it would be safe for me to leave the total balance to
them. So I called the rental telling them we were working on the
payment setup. Then after another month's paper work, I was declined by
the master card for I have coverage in the liability of my own insur. I
called my insur right away and they sent out a check the next day.