Thank you for your reply, although I don't see where you have answered the questions I posed to you. I will go ahead though and try to address the issues anyway without knowing exactly what the outcome is that you are seeking. I would recommend that your first step be to send a certified letter (with return receipt) to Corporate Headquarters. You might address it to the General Counsel and send a copy to customer service. Usually, if the legal department gets letters about the issues you raised, they will at least investigate the issue thoroughly while understanding the potential legal ramifications, whereas, customer service people don't have that perspective. Up to you though.
You will want to be as detailed as possible about how you know the key (if that was what was in the car) was there and not, for example, at your hotel or somewhere else, and then describe your experience with the Company trying to track it down and their response. Also, of course, say exactly what you want from them.
In terms of the insurance coverage, you can discuss that by, again, being specific about the facts and how you believe you were pressured or tricked into opting for it. This portion of your complaint is not as likely to get a positive result since they hear complaints about the insurance issue, which is admittedly confusing on a regular basis and which is, a big money maker for them. But you have the right to try to resolve it with them first. Tell them what you want from them and if they don't accommodate your request, then you can go to the next step.
With the insurance issue, you can file a complaint with the Nevada Consumer Protection division of the State and could, if that doesn't result in a refund, file suit in small claims court in Nevada. However, I am fairly sure their contract probably requires arbitration versus suit. In that case, you would have to demand arbitration with the Company.
As for your property that was left in the vehicle, if they don't resolve the issue as you request, you will have to file suit in small claims court for the value of the item (replacement costs.) It is important to keep in mind though that you will have to convince the court that it was in the car and not somewhere else. The court will make a decision based on testimony and any evidence that both parties present. You will have to file that suit in Nevada though.
Please feel free to ask for clarification if needed. If none is needed, then if you could take a moment to leave a positive rating in the box above (let me know if you don't see it), I will receive credit for assisting you today. Thank you