Complaint Review: Enterprise Car Rental

I rented a vehicle at the Pharr Texas Enterprise Car Rental location on June 15 and declined the Enterprise insurance because I currently have full coverage on my current vehicles would cover it. They were very persistent that I buy the coverage but I still declined. I went through the initial inspection and noticed some scratches that were documented by a female employee and that the vehicle was at half of tank of gas. I drove the vehicle once to work and the rest of the time it was in my driveway at home. I turned in the vehicle 2 days later with a half tank of gas. The person checking the vehicle in was the Interim Manager who squatted down and gave the vehicle a thorough inspection. He advised me there was some damage to the driverside rear quarterpanel above the wheel well. I contested it because I am 100 percent certain that damage was there but missed by the female employee and myself during the initial inspection. The manager's response was I was still at fault and responsible for the damages. I argued to no evail that the intilal inspection and the return inspection were not conducted the same and even the position of the vehicles was different. They are backed up against metal railings and bushes so squatting down to check for damages from the rear was not possible. I received a call from my insurance company today advising me that Enterprise had started a claim for damages. I see false claim after false claim and notice a trend for this scam. Its very apparent that if you decline their insurance they will find some kind of damage you will be liable for. Something has to be dine about this!!!