What is the first thing a young person thinks after a rear end crash? My head was full of just two questions. Is the car okay? What about the money? I booked an EZU Toyota Aqua in Christchurch through QEEQ. I picked up the car around the morning of May 17 and drove it for a few days. It felt easy to drive. Then one day I was driving normally and a car behind me suddenly hit my back. It went straight into my rear bumper. No one in the car got hurt but the sound was really loud. My heart dropped. The rear of the car had a clear dent. My first thought was that the repair bill would be very high. At that moment I started asking myself. I bought AXA Full Coverage before this trip. Will it really help me now? Can it really cover this big bill? I called the police but they did not come to the scene. The other driver also rented a car and said they had insurance too. I talked with the rental counter staff and they wrote down the accident details. Later I got a damage report from them. Soon I received a repair bill from the car rental company. It showed the cost to fix the rear bumper. When I saw the amount I was shocked. It was more than two thousand NZD and I kept thinking that if I paid that myself my living budget for the next months would be broken. Since I had AXA Full Coverage I started to ask the customer service one question after another. Is this whole amount covered? What documents do I need to send? What if the charged amount and the repair bill are not the same? They kept helping me confirm how much the car rental actually took and they asked the rental for damage photos and clear invoices. On my side I followed their guidance and sent every file I could find. While I was waiting I kept doing my own math in my head. During those days I had the same question again and again. How much will I really get back? Will I still need to pay a lot by myself? Later they told me that the insurance company had checked everything. They included the main repair cost and even counted the small surcharge the car rental added. I then asked again. What is the final NZD amount that will go back to my card? They gave a clear number. It was 2670.60 NZD and it matched the loss shown on my credit card statement. When I saw that number the heavy rock in my chest finally went away. The stress I felt when I first saw the almost three thousand NZD repair fee was gone. I felt that buying AXA Full Coverage was a very smart move. The whole process was not instant but every time I had a new question the customer service replied and explained. I asked once and they answered once so I always knew what step was next. In the end the claim money came to me in NZD. I checked it with the bill and the card charge and it basically covered my car damage cost. When I think back to that moment of the rear end crash I remember how nervous I was. I worried about safety and money at the same time. Then I remember that I had AXA Full Coverage and I saw the claim really paid out. That feeling of truly being helped was very real. It made my whole view of this rental experience much better.
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