If our car is lost or damaged as direct or indirect result of a violation of paragraph 15, you are responsible; and you will pay us for all loss of or damage to the car regardless of cause, or who , or what caused it. If car is damaged you will pay our estimated repair cost up to $13,000 or if, in our sole discretion, we determine to sell the car in its damaged condition, you will pay the lesser of the difference between the car’s retail fair market value before it was damaged and the sale or our estimated repair cost . As a part of our loss , you will also pay for loss of use of the car, without regard to our fleet utilization, plus an administrative fee, plus towing and storage charges., if any (Incidental Loss). If your responsibility is covered by any insurance, you will provide us with the name of the insurer and policy number, or if the insurance is provided by your card issuer, its insurer You authorize us to process any or all of our Incidental Loss to your card at or after the completion of your rental. You also authorize us to collect any or all of our loss from any third party that is responsible for it. If we collect our loss from a third party after we collected our loss from you , we will refund the difference, if any, between what you paid and what we collected from the third party. You understand that you are not authorized to repair or have the car repaired without our express prior written consent. If you repair or have the car repaired without our consent, you will pay the estimated cost to restore the car to the condition it was in prior to your rental. If we authorize you to have the car repaired, we will reimburse you for those repairs only if you give us repair receipt.