That day in Ayr in the UK I was driving alone in a Seat Ibiza that I booked with QEEQ on a small road near the sea. The sky was a bit gray but the wind and the houses by the road made me feel pretty good. Then a small thing suddenly happened. I was passing another car on a narrow road. I already moved very close to the side. The other driver came a bit fast. When we passed each other I heard a sharp crack. My heart dropped and I thought to myself. Is that the mirror? I parked at the side and got out. I looked and saw the right side mirror was damaged. The cover was scratched and bent. My first thought was simple. This is going to cost a lot. I was traveling alone and I did not really know the local rules. I kept asking myself. Will the rental company say it is a big accident. Will the insurance cover this kind of damage. I returned the car around the morning of March 21 to the ARNOLD CLARK office in Ayr. The staff walked around the car and checked everything. When he saw the mirror he frowned a bit and started to write on his form and talked to his coworker. I stood there and felt nervous. In my head I repeated one thing. I am so glad I bought AXA Full Coverage or I really cannot handle this bill. Soon the staff told me the mirror damage would cost more than seven hundred pounds. They said it was the repair cost. I was shocked. In my mind there was only one question. Do I really need to pay all that myself. It felt crazy since it was just a side touch and the other car did not even stop. I kept all the papers and the invoice from the office very carefully and told myself that I must claim it with the insurance. When I got back to my place I started to sort every document. I went over the mirror damage in my head and checked all the photos I took of the car. I was worried that my proof was not enough. I kept asking myself. Do I need more evidence. Will they refuse because I did not prepare well. Then I sent in everything I could find. It felt like handing in a test paper. After that I could only wait. Some time later the support team contacted me and said they needed more clear info about the damage and the final amount. I got nervous again. Did I send the wrong thing. I checked the repair paper and the amount from the rental office one by one. I was scared that one page was missing or blurry. After a few rounds of messages they told me they had confirmed with the rental company and the total cost was seven hundred ninety two point eighteen pounds. They also said they would keep following the claim and that made me feel a bit better. In the next few days I often thought about it and had the same question in my head. Will it really get paid. How long will it take. The amount was big for me so I was still stressed. Then I got a message that the claim was approved and the payout was about nine hundred ninety eight pounds. It was even more than what the rental company charged me. I stared at the number for a few seconds and the only thing in my mind was that it was really lucky that I had AXA Full Coverage. When I think back to the sound of the mirror hitting and that cold feeling in my chest and then compare it with the relief when I saw the refund amount my mood feels like going from a gray sky to a clear blue one. If I did not have this coverage I would probably keep worrying about this bill even after the trip. That small crack sound on the narrow road in Ayr scared me a lot but it also showed me how real and helpful this protection can be.
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