(How) can I dispute a claim from rental car company after flood damage?
I received a claim for total loss of a rental car that got caught in a flood on a free camping spot on public land. The rental agreement included a loss and damage waiver, but the rental company claims a violation of terms and conditions due to driving off paved road. Carefully reading the terms and conditions (and California Civil Code 1939.09 stating under which conditions a rental company may void a waiver) I seriously question the legitimacy of the claim under the given circumstances.
What are standard procedures to dispute such a claim?
What are potential consequences if I refuse to pay the charged amount? (Also considering that I live in Europe.)
Where can I get affordable legal advice?
I arbitration advisable?
Thanks in advance