The bank alert popped up on my phone when I was sitting in a small cafe near my home in Yokohama. The screen showed that 1265.00 EUR had just arrived in my account. That was the moment I finally relaxed. Why did I get this money? It all came from the extra AXA Full Coverage I bought when I booked with QEEQ. How did this whole thing start? I have to go back to Budapest. I returned the car at the Schiller office around the evening of May 3rd. It was about one day later than my first plan. The sun had just gone down and the parking area felt a bit cold. I parked the Toyota Yaris and turned off the engine. I still felt a little nervous. I asked myself one question. Is the car really fine now? My answer was maybe it is okay. Of course it was not that simple. The real trouble started two nights before I gave the car back. I was driving alone on a road outside Budapest. It was dark and there were not many street lights. The music in the car was very low. Suddenly the steering wheel felt strange. My heart jumped. Could it be the tire? In less than a minute the car started to shake a lot. I had to slow down and pull over. I got out and checked. One front tire was clearly flat and there was a small dent near the wheel. At that moment my heart sank. I thought I am in big trouble now. How much do I need to pay for this? I called the rental company first. The staff said they could arrange a tow truck and deal with it but it might cost a lot. Then one thought jumped into my head. When I booked the car I added AXA Full Coverage. I remembered that it also covered tires and small body damage. I waited for the tow truck and did some quick math in my mind. Flat tire plus dent plus towing fee. Would this turn into a scary number? I remember asking myself one more question. Was it stupid to buy that extra insurance? Then I answered myself right away. I really hope it was not stupid. I really hope it works. The tow truck came and the driver worked fast. The car was taken away and I went back to my room. That night my mood was very low. After a shower I lay on the bed and kept thinking about one thing. How much will I have to pay? Will it be a few hundred euros or more than one thousand? This thought made it very hard for me to sleep. On the day I returned the car I gave the key back at the Schiller counter. The staff checked the damage record and typed on the computer. Then he looked at me and said they needed to charge about 1265 euros. In my head there was only this number. 1265. For a student it is a big amount. My hands were sweating when I stood at the counter. I said OK and signed but inside I kept telling myself to stay calm. I told myself that I still had the insurance. After I flew back to Japan the story did not end. I saw the charge on my bank card and it reminded me of the flat tire and the dent every day. So I started to talk with their customer service and asked about the AXA Full Coverage claim. Very soon I met two problems in my head. First should I write all this information in English. Second can I really handle all these small details. They asked me to give some documents like my bank details and photos of the damage. I looked through the photos in my phone and found the pictures I took on the road. Then I sat at my desk and wrote my address and bank name in English. I felt a bit nervous. I was scared that if I wrote one wrong letter the money would not reach my account. During that time I kept asking myself. Will they really pay me. Will they pay the full amount or only part of it. After I sent everything I had to wait. Later they asked me again to confirm the amount and the currency. They wanted to make sure it was 1265.00 EUR. When I saw that email I stopped for a second and then almost laughed. Of course that is what I want. Who would want less. I replied very carefully. I checked every number before I sent it. That night when I went to bed I had only one wish in my mind. I hoped this insurance could really bring this money back to me. Then came a period that felt quite long. I checked my email from time to time. I also opened my bank app and looked at the balance again and again. Their side told me that the claim was approved and that international transfer would need some time. I understood that this kind of thing could not be instant. But in my heart I still worried. I wondered if there might be some mistake or if they might ask me for new documents again. Finally a few days ago in the afternoon my phone vibrated. I opened the bank notice and saw that 1265.00 EUR was in my account. At that moment a big stone dropped from my heart. Right away I asked myself one clear question. Was it worth it to pay extra for AXA Full Coverage. This time my answer was very simple. Yes it was really worth it. Without this insurance the flat tire and the dent would be a very painful lesson for me. Now it became a story that scared me for a while but did not hurt me in the end. When I think about the whole thing it feels like a small exam. First I was shocked by the sudden flat tire on the dark road outside Budapest. Then I felt stressed when I heard the number 1265 at the rental counter. After that I went back to Japan and spent time sending documents and waiting for news. At last I saw the bank alert in a quiet cafe in Yokohama. In this process I felt nervous and worried and maybe a bit tired too. But step by step I understood more clearly how important it is to have protection that also covers tires and small damage when I drive in another country as a student. Now when I remember the car lights on that road and the small dent near the tire I also think of that simple line on my phone that said 1265.00 EUR has arrived. The two pictures are very different but for me they belong to the same experience. It was the time when I really used AXA Full Coverage and saw how it could save me from a big loss.
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