At the start I really wanted to complain a bit because traveling in Munich with kids was already tiring and then the car got scratched. I booked the car on QEEQ and picked it up around the morning of July 28th 2025 in Munich. It was an Audi Q3 Sportback from Buchbinder with auto gear which was nice for my family. The first two days were fine but with kids you know there is so much stuff and everyone is tired. In the parking garage I lost focus for a second and the car hit a pillar on the side. I heard the sound and my heart dropped. I had only one thought. This will cost a lot of money. Was it very bad. I got out and checked. There was a clear scratch on the side. My kid asked me from the back seat if the car was broken. I said it was ok but inside I was pretty scared. Should I tell the rental staff right away. Should I just take photos. Will they charge me a huge fee. These questions kept running in my head. On the return day which was around early morning on July 30th I went back to the Munich office and gave the car back. The staff checked the car and found the scratch and said there would be a damage charge. My heart got tight again and I thought this time my wallet was in real trouble. The good part was that I had bought AXA Full Coverage before. If I did not take it would I be crying now. I made sure to keep all my photos from the parking day and the damage invoice from the rental desk. When I saw the money taken from my credit card I started to count in my head how long it might take to get this money back. Then I started to talk with their support team. I told them what happened that the scratch came from normal use and that the rental company had already charged me. I asked how the claim would work. They told me to stay calm and said with this insurance I just needed to send the needed papers. I was traveling with my kid at the same time so I had to search all the files in the hotel and later at home. One moment I was looking for the damage invoice and the next moment I was checking the credit card record. I also had to read emails carefully. It was honestly tiring. I kept asking myself if these files were enough and if the screenshots were clear. During this time they also reminded me sometimes that some documents were still missing like they were afraid I would forget. I delayed a bit on some days because I was busy with the child and plans and we had so many things to handle and I was afraid to lose some paper. When I finally sent the damage proof and the card record and all that I felt like I was waiting for exam results. I did not know if they would pay the full amount or how long it would take. After some time I got a message from them saying the claim was approved and the payout would match the money that was taken from me. When I read that email I really felt a big weight fall off my shoulders. The money that the rental had charged was basically coming back so it was like I went from losing money to at least breaking even. When you travel with kids you really do not want to spend too much energy on accidents like this. Looking back I feel that choosing AXA Full Coverage when I booked was the part that saved me. You only feel how important it is when something really goes wrong.
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