unauthorized credit card charges

unfortunately, i read the many poor reviews of fair car iceland on trustpilot.com and trip advisor after i had booked the car. fair car rental doesn't have a review system from past customers on their own website anymore because of all of the negative reviews they were receiving. i have been renting cars internationally for the past 20 years and i knew to do the check in and check out inspections in person with a fair representative, receive copies of the inspection paperwork and take photos of the car before and after of any issues. we purchased the maximum amount of insurance that fair car offered in their office when we picked up the car ('sand & ash' as well as as their 'zero excess damage waiver' which reduced our responsibility to zero according to the rental contract). we received a small rock chip on the passenger side windscreen with no spreading. fair car insisted the whole windscreen needed to replaced. as we had purchased fair car's 'zero excess damage waiver' i was not worried, we filled out the claim paperwork with the insurance company who agreed to pay fair car directly once they submitted the invoices for the new windscreen with administration costs. this insurance company as well as myself requested fair car via email to submit this information in order for the payment to be made on a daily basis. fair car refused to send this required information and over a month after the rental was done, and they charged my credit card $1200 u.s dollars for a new windscreen. the insurance company will not reimburse me for any damages until this information is sent by fair car rental. it would take less than a minute for fair car to send this information but they simply aren't returning emails. if you are going to rent a car in iceland please read other online reviews on trust pilot and trip advisor as it seems their m.o is to charge their customers credit cards months after the car is returned. save yourself a lot of headache and wasted time on the phone and rent with another company in iceland.