To be honest I never thought I would really use AXA Full Coverage when I booked the car on QEEQ. I just felt it looked safer to add one more insurance. I even joked to my friend that no one actually crashes the rental car. Then I proved myself wrong very fast. I flew to St Thomas in the US Virgin Islands near the end of March. I picked up a small Toyota Yaris from the Budget counter around the afternoon of March 25. The car was tiny and the island roads were not very wide so I felt it was a good match. I planned to return it around the afternoon of March 29. In my mind it was just a few easy days of driving. So how did the real trouble start. One simple answer. I misjudged a turn. I was driving on a curve on the island. I thought I had enough space but I turned the wheel too late. The side of the car slid right into a tree and I heard this very sharp scratching sound. At that moment I just froze. My only thought was that I was in big trouble and this would cost a lot of money. I got out and checked the car. The door and the side were clearly scratched. I kept counting numbers in my head and the more I imagined the bill the more scared I felt. I kept thinking how much this could be if I did not have the AXA Full Coverage. The rental staff later stayed pretty calm. They wrote notes and took photos. They told me they would send the damage bill later. I asked if they could tell me the amount right away. They said they needed time to check. I felt nervous and annoyed but there was nothing I could do. Back at my place the first thing I did was contact the customer service team and explain what happened from start to finish. Then came the next problem. What did they need from me. At first they asked for photos of the damage and also charge records. I could take and send the photos myself. But the charge record and damage document had to come from the rental desk. In my mind I kept asking when the rental company would finally send those papers. During the next days it felt like doing homework. I sent photos and I checked my bank details with them. Later I learned that the damage would be around 6000 dollars. When I saw that number I felt my stomach drop. I thought if I did not have this insurance I would have to put all of that on my card and I would be stressed for a long time. The worst part was that the rental company kept delaying the official damage document and the charge record. When I asked them they just said they were still checking the car. I was really worried that if we could not get those papers then the insurance might not pay. I checked my emails so often. It was even more than how often I check my grades at school. The good thing was that the support team kept following up. I was worried all the time but I could feel that they were pushing the rental company for the documents and telling me any new update. Sometimes I wished everything could move faster but at least I did not feel left alone. When the claim was finally approved there was no big dramatic scene. It was just a simple notice that the damage amount was confirmed and the insurance would cover the cost. I stared at the message for a second then I felt my whole body relax. The big stone that had been sitting in my chest finally dropped. Looking back I am really glad I chose AXA Full Coverage on the platform. As a tourist in another place I do not really understand all the local rental rules. I am always afraid of some huge surprise bill. This time I did go through some stress and waiting but the result turned out fine and I truly saw how useful this kind of insurance can be when something bad really happens.
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