At first my memory of this rental was pretty good. I booked a car in Auckland through QEEQ. It was an Apex car. I picked it up around the evening of January 30 and dropped it off around noon on February 16. The car drove fine. Then one day there was an accident and my mood went straight down. After everything at the scene was handled the rental desk charged a big amount on my card. I saw the slip with a few thousand NZD and my head went blank. I kept thinking how much money I was going to lose and if this trip would just burn my whole budget. That was the moment I really felt lucky that I bought AXA Full Coverage. Without it there was no way I could handle such a high excess with my student level budget. When I got back I wrote down what happened in the accident and kept all the receipts and photos. Then I contacted customer service and said the rental company had already taken the money and I wanted to make a claim. I was not very sure about it. I worried it would be super annoying or they would just say it was not covered. For a while it was all about sending more documents. Sometimes I was slow and only looked for files when I remembered it. Every time I saw that card slip in my photos I felt nervous again. They reminded me what was still missing. I checked my email and my phone gallery and sent the car damage photos and the payment details from the rental company. The total amount was even higher than I first thought. It was the excess plus some fee. The number hit me again but now I only hoped the claim would be approved soon. Later the insurance side needed to confirm the currency and some photos. I explained the details as clear as I could and also said I was coming from Australia and I hoped the payout could be in AUD so it was easier for me to plan my money. Those days I was going to school and also checking my email all the time. Every new mail I opened it first to see if there was any update about the claim. When they told me AXA had approved the claim and would pay based on the real loss I finally let out a big breath. I remembered how I felt when that large amount was charged and it was really from full panic to feeling saved because the insurance was there. I do not want to have another accident like this again. But this time AXA Full Coverage really stood in front of the worst part and stopped my bank account from turning into a big hole.
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