My car at Sebring had had half the interior lining ripped out (to retrieve the key when I locked it in the boot) and had also been damaged by a careless parker in Daytona.
I bodged up the lining so it looked OK when the roof was down, delivered it back to the rental company topless (the car, not me!) and told them I was in a rush, and I've never heard any more. Nor any charges on the credit card.