When I think about this trip now, the thing I feel most thankful for is that I chose AXA Full Coverage when I booked with QEEQ. Without it, that 687.26 dollar damage bill would have just broken our family budget. When I first saw the bill, I only had one thought in my head. My credit card is done. The whole story started at Warsaw when I returned the car. It was around the afternoon, I remember it as about March 16 and close to two o clock. My kid was half asleep in the back seat. I was trying to carry our bags and calm him down at the same time. The ACE staff walked slowly around the Nissan Kicks. Then he stopped at the right rear door. He bent down and started to take a few photos with his phone. I walked over and saw a scratch on the door. It was not super long but it was clear in the sunlight. He looked up at me and said something like there was damage and he needed to record it. He pointed at my rental papers too. My mind started to replay the last few days of driving in Warsaw. I was thinking about the small streets and the tight parking spots. Maybe I got too close to something while I moved the car. Maybe someone opened a door next to me in a parking lot. I really did not know, so I just kept explaining. I said I did not notice the scratch and I was always busy watching the road and the GPS because my kid was in the car. The staff was not rude but he was very clear. He said the company would charge for this damage and that it might be a big amount. When I was taking my kid out of the car, he asked me if I had bought extra insurance. My brain suddenly clicked. I remembered that I did buy AXA Full Coverage when I placed the order. I nodded and he gave me a look that felt like he was saying I could try to claim it from insurance later. The real stress came after I got home. When I checked my credit card bill and saw the 687.26 dollar charge, I felt a strong hit in my chest. My wife looked at the bill and said this money could let us stay a few more nights in Warsaw in a nice hotel. At that moment I felt so glad that I did not try to save money by skipping the insurance. I opened my emails and checked again to make sure I really had that coverage. Then I collected all the papers about the damage and the rental. To be honest I was still worried. It was my first time to deal with a claim like this, and I was not sure if they would accept it or just say no for some reason. I told my wife that we should just try. If it did not work, then it would just be a hard lesson. I wrote down everything I knew about the trip and the car. I sent in the documents and then I waited. During this time I was taking care of my kid and also checking my credit card app again and again, hoping to see that money come back. They sent me messages asking me to explain what happened and to share more real details. So I wrote about our days in Warsaw, the roads I drove on, and when I first noticed the staff looking at the scratch. One time I was typing and whispering to myself at the same time. Please approve this. This money means a lot to us. After some time passed, I finally saw a credit on my card for the same amount. The 687.26 dollars came back. I felt a huge weight leave my shoulders. I told my wife that the claim worked and the money was refunded. Her first reaction was to say that it was really lucky that I bought that AXA Full Coverage. I picked up my kid and walked around the living room in circles. I felt like someone pulled me up when the water was almost over my mouth. This whole thing changed how I think about insurance. Before this, I always felt it was something I might never use. Now I see it in a very different way. If I did not have AXA Full Coverage this time, it would not just be about losing a big amount of money. The whole feeling of our family trip with a child would be ruined by that bill. For a parent traveling with a kid, having this kind of protection makes the whole journey feel much safer.
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