The moment they told me the claim was approved was真when I finally felt I could breathe again. I was already back home for some days and still thinking about it. The rental company said the car was damaged and I had to pay. In my head I kept thinking that it was lucky I added AXA Full Coverage when I booked on QEEQ or this trip would be a disaster for my wallet. It actually started a few days after I arrived in Panama City. I picked up the car around the morning of January 31. The booking was with Avis and the car was a Hyundai Tucson with automatic gear. For someone young like me it felt easy to drive. The sun was really strong that day and I was just excited. I only thought about where to go and what to see. I did not think about any accident. During the first days driving was fine. I took some photos of the car and tried to park carefully. Everything felt normal. The real problem came close to the return day. One time in a parking lot I moved the car and I thought there was enough space behind me. My angle was bad and the back of the car touched a pillar. I heard the sound and my mind went blank for a second. When I got out I saw scratches and a small dent on the rear bumper. My mood fell from vacation happy to full panic. In my head I kept repeating that I might need to pay a lot of money. On the return day I went to the location a bit earlier than the booking time. It was around the morning of February 16. The staff checked the car and of course looked at that part for a long time. He took photos and wrote notes. His English was not very good and my Spanish is also poor. We only understood part of each other. I could still feel that they wanted to charge me for the damage. I told him I had insurance with AXA Full Coverage and I showed my confirmation. The rental counter staff said they would follow their own process first and that I should wait for the bill. Some days after I flew back home they sent me an accident report and asked me to pay that amount. I was already in another country when I saw the email. My heart felt tight again because the report looked formal but there was no clear repair invoice. I started to collect everything I had. I kept the accident report and the rental details and then I asked customer service to help send it for a claim. During this time it was a bit of a mess. The rental company only sent the accident report and no detailed damage invoice. I could feel that they were asking the rental company again and again and also asking me for any other document I could find. For me it was just checking email and replying and sending all files I had. Those days I kept thinking that if the insurance refused to pay this cost would be heavy for a young person like me. Later they told me the rental company finally shared more documents. They were almost the same as what I had but it was already enough for the insurance side. They said all files were passed to the insurer and I should just wait for the result. At that point I could only wait more but I did feel someone was following the case so I was not alone facing the rental company. Some time after that I got the news that the claim was accepted and that AXA Full Coverage would pay for the damage inside the cover limit. The part I was worried about was taken care of by the policy. When I read that line I felt a big weight fall off my shoulders. The whole story finally had a clear end. Now when I think back I still do not like that the car was damaged. But I am really glad I bought this cover at the start or my Panama experience would feel completely different.
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