AXA Full Coverage"Sir are you okay" At that moment I was sitting in the car my hands were full of sweat and I could still hear the sound of the motorbike falling on the road. It was about my third day in Phnom Penh for business around the morning of January 26th 2026. I was driving the Ford Ranger I had booked two days before with QEEQ from Avis. As a business traveler I always feel I drive quite carefully but the junction was a bit messy that day and I still hit a motorbike beside me. The front bumper of my car was badly scratched. My first feeling was guilt. My second thought was one short sentence in my head I am glad I bought AXA Full Coverage. During the accident the police and the motorbike rider were talking in the local language. I could not really follow. I just kept checking if anyone was hurt. The rider was not angry which helped a bit. I looked at my own headlight and bumper. The damage looked serious. I kept thinking this would not be cheap maybe around one thousand dollars and my heart went down. On the return day about the morning of February 4th I drove back to the Avis counter in Phnom Penh. The staff walked around the car and checked everything. When he saw the damage he frowned and told me the cost would follow their standard charge. I said I understood but in my mind I was doing the math. One thousand US dollars is not a small number for a personal card. When I saw the amount on the card machine my chest hurt a bit. At the same time I told myself I had already planned for this worst case when I chose AXA Full Coverage on their platform so now I just needed to finish all the steps. Back at the hotel I started to collect everything I could get. The invoice from the rental desk the card payment record and the accident papers. As a business person I handle documents a lot but trying to explain damage amount and time in English still gave me a bit of pressure. I organized the photos and files and checked the amount again and again. The paper from the rental desk showed a higher damage cost but they only charged me one thousand dollars. I also wrote a short explanation about this because I did not want any problem when the claim was checked. For some time my feeling was like waiting for the result of an important deal. My work went on as usual but every time I opened my banking app and saw that damage payment record I remembered the crash and hoped the insurance would really pay me back. Sometimes I got messages from customer service. They asked me to confirm some details. A few times it was about my bank account name in English and the bank name in English. At first I felt a bit tired of this. I thought these are small things. After I calmed down I knew if the information was wrong and the money could not arrive it would be a much bigger problem. So I took the time to change everything carefully. I wrote my account name and bank name fully in English and checked them with my Japanese bank paper. When they told me that all my documents were sent to the insurance company I felt a small weight lifted from my heart. I did not dare to be too happy because one thousand dollars is still a lot and nothing was final yet. I remember one day after I met a client I was walking on a street in Phnom Penh when I got a notice on my phone. It said the claim was approved and the amount was one thousand US dollars. I stopped on the side of the road and looked at that number. The first thought in my head was that buying AXA Full Coverage was really worth it. Some time later I checked my Japanese bank account and I saw that the money had arrived. At that moment I felt the whole story finally closed. Thinking back from the crash the payment at Avis to talking with customer service and checking many details and then finally getting the compensation it did take time and energy. For someone like me who travels for work often time is precious. But what gave me the most sense of safety this time was that they kept following up. They reminded me which paper was missing and which information was wrong. In the end my own loss was covered and this accident did not leave a big hole in my wallet. Now when I look at the photo of that scratched Ford Ranger I can still remember the sound of the motorbike falling yet I feel more lucky than scared. On the day I made the booking with QEEQ I clicked a few more times and chose AXA Full Coverage and that choice gave me a way out when things went wrong.
