When the insurance company finally said they would pay me in USD, I was sitting in my living room and looking at photos of Tokyo on my phone. At that moment I felt this whole thing was finally going to end. I booked my car in Tokyo through QEEQ. I remember I picked up the car around noon on April 1. The car was a Toyota Prius from IX Rental with automatic gear. For someone who travels for business a lot like me, it was very easy to use. I returned the car around noon on April 7. The trip itself went quite smooth. One night when I drove back to the hotel, I made a mistake in the parking lot. I turned a bit tight and the car hit a pillar. The back door and part of the body got a clear scratch. I was really shocked and my first thought was that I might need to pay a lot of money. The staff at the counter checked the car. They were not angry but they kept telling me the repair might be expensive and I needed to wait for the final amount. In my head I only had one thought. I felt so lucky that I bought AXA Full Coverage when I made the booking. If not, this money would really hurt my wallet. Later they gave me a rough range of the repair cost. Just hearing the number already made me a bit numb. After I flew back to Singapore, I still felt worried for a few days. I was afraid the claim would be very slow or there would be many problems. Some time later the service team contacted me and told me the claim was already reported so I could relax a bit. After that they started to ask about my bank account. First they asked if my account could receive international transfer. I said yes. Then I told them I wanted to receive the money in USD because many of my travel costs are in USD and it is easier for me to use. I did feel a bit unsure when I changed my mind on the currency because I was afraid this might slow the process, but they still helped to check with the insurance side. I gave a new bank account that is used mainly for USD. When they told me the claim was confirmed by the insurance company, I finally felt calm. As a business traveler I care a lot about time and trouble. This accident was like a reminder that I should always be more careful when I drive. Even so things can still happen. During this whole thing there were some steps where we had to confirm the currency and the account details again and again. For me the most important part is that my loss was covered. I did not need to argue with the rental staff at the counter or worry about a huge charge on my credit card. AXA Full Coverage really worked for me on this Tokyo trip and it stopped this small accident from turning into a very bad memory.
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