The real story started after my Denmark trip was already over. I was back in the US for a few weeks when I opened my email one day and saw a bill from the rental company. It said I had to pay 3801.64 DKK for a scratch on the car. My mind went blank for a moment. I only remembered that I booked the car in Copenhagen through QEEQ with Europcar and I picked it up around March 30 in the afternoon. The car was a Hyundai Bayon with automatic drive and four doors. I returned it around April 14 at noon. When I dropped the car off, the staff at the counter walked around the car and said they would check it more carefully. I did not think too much that day, then this bill showed up. I was pretty nervous for a few minutes. I was doing the math and thinking maybe I would just have to pay it. At first I only remembered I had some insurance, but I was not sure if it covered this kind of scratch. I went back to my booking email and checked everything. Then I saw that I had chosen AXA Full Coverage. In that moment I felt really lucky, like when you suddenly remember you actually studied the right chapter before a test. I started to look for the photos of the scratch that I took in Denmark. I also put together the bill and the rental contract. The scratch was near the back door. It was not huge but it was very clear on the white paint. I still remember the day it happened. The street was a bit narrow and I was moving the car in a parking space when I heard a light scraping sound. My heart dropped right away. I got out of the car to check and there was that line on the side. While I was taking pictures I kept telling myself in my head that this was really bad and I might need to pay a lot. Back home in the US I followed their instructions and sent everything in. For me it was just filling in my info, uploading the photos and the bill, and writing my home address clearly. After I submitted everything I felt a bit uneasy. I always thought insurance claims take forever and often get rejected for some random reason. After a while the customer service team contacted me and confirmed some details. They told me the documents were enough and they would help me with the claim under AXA Full Coverage. That made me feel a bit more calm, but I still checked my email from time to time because I was afraid to miss something. Later they told me that the claim amount would be 3801.64 DKK. I did a quick calculation in my head and it was basically the same as what the rental company charged me for the damage. When I saw that number I almost laughed. In my mind I was thinking that it was like I did not really have to pay this damage in the end. I remember there was a period when they reached out to me again. I was busy with other things and I read the message but did not reply right away. When I checked later I saw that they had already moved forward with that amount. By the time I confirmed it, the claim was almost done. It felt like someone was quietly cleaning up a mess for me in the background and I just needed to press yes at the end. When they told me the claim was successful and the amount was 3801.64 DKK, I finally let out a long breath. The drama in my head from seeing the first bill, when I thought I was going to be totally broke, just faded away. I was really glad that I picked AXA Full Coverage when I booked, because this sum of money is not small for a young person. If I had to carry it on my own it would hurt my budget for the next few months. When I think back to the whole thing, from getting the Hyundai Bayon in Copenhagen, to hearing that scraping sound on the street, to staring at the bill in my inbox, I remember how stressed I was at every step. But the way they handled the claim was clear and smooth, and that slowly made me less scared of the word damage. Now when I think of that scratch on the car, my first feeling is not pain about the money anymore. I just feel lucky that I spent a bit more effort choosing that insurance at the start, or this whole experience would feel completely different.
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