I have to complain first because when the back of the car got hit I really thought I was done and this Chile trip would break my wallet. I booked the car on QEEQ and picked up a manual Hyundai Accent in Puerto Montt around March 30 in the morning. I planned to drop it in Santiago around the night of April 3. At the start everything felt fine. That day I was driving on a road I did not know well. I was a bit too confident. I tried to pass another car. Then I got scared and moved back to my lane. The car behind me hit my back and the tail was pushed in. My body was ok but when I saw the dent on the trunk I started to count money in my head and wondered how many Chilean pesos I would have to pay. The other driver was messy and I did not call the police at once. I only checked if the car could still move. I was nervous and also confused about who should take the blame. I felt it was the other driver but I was not sure. Then I remembered I had bought AXA Full Coverage. That gave me a bit of hope but I still worried that with all these problems I might need to pay everything by myself. Later the rental staff saw the dent on the back and said they would charge a big repair fee. I felt really stressed and just followed their steps and let them take the money. I kept all the papers they showed me and also the charge screenshot. I kept thinking if these things were enough and if my photos were clear and if they would say no because I did not call the police. When I got back I started to collect all the things I could find. I kept the charge record the other driver info and the photos of the back of the car. Then I talked with customer service and said the rear of the car was hit and the rental company had already charged me. I felt a bit guilty because there was no police report and the phone number from the other side did not really work. I was afraid they would say the proof was bad and the claim would fail. Those days I went to class and checked my messages all the time. My heart felt heavy. I kept thinking they would say it was all my fault and the insurance would not pay. So buying it would be useless. After some time the support team told me the claim was approved and the payout was around one million one hundred eighty nine thousand Chilean pesos. It almost covered the money the rental company took from me. I could not believe it when I saw the number and I counted it again to be sure that it was really for me. When I think about it now if I did not buy AXA Full Coverage this hit on the back would be a huge disaster for me. As a student I really cannot take such a big bill. The whole process was a bit tiring and I had to send files more than once. But when the money arrived I felt like someone pulled me out of a hole. Now when friends ask me if they should add this kind of insurance for a rental I always remember that rear dent in Chile.
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