Now I already got back the 3496 euro refund and when I think about this trip to Croatia and the car accident my feelings are still a bit mixed. The rental company first took this whole amount from my card. When I saw the bank message I had just gone back home from Dubrovnik for a few days. I was really shocked. I thought I had insurance but they still charged me the full damage. At that moment I felt very hopeless and I thought this trip would become a very expensive lesson. I booked the car on QEEQ and picked it up in Zagreb. I arrived on May 29 in the evening and went to the AVIA counter to get the car on May 30 around 5 pm. It was a Peugeot Traveller automatic with nine seats. It was good for our group and all the luggage. The counter staff gave me the key and only talked a bit about fuel and mileage. I took some photos of the car by myself then I drove away. I was pretty excited. I thought driving along the coast all the way to Dubrovnik would be amazing. The accident happened near the end of the trip. I do not really want to remember the exact day now. It was at a junction outside the city. I turned and hit another car on the side. The crash was not super big but when I heard the sound my heart just dropped. I got out to check. There was a clear scratch and dent on the right side of my car and some damage on the other car too. I was nervous. My English is not very good and I only wanted to deal with the scene first. So I just talked to the other driver a bit. The other person said it was okay and then both of us left. The stupid part is I did not call the police and I also did not call the rental company. I thought I could just tell them later. I returned the car on June 7 around 6 pm at the drop off near Dubrovnik airport. The staff walked around the car and saw the scratch. He asked me to sign a paper and said they would calculate the cost later. I already felt a bit worried but I still signed it. A few days later I saw the bank charge. It was 3496 euro. My hands were shaking. I remembered the excess in my booking was about 2100 euro but the rental company put the whole damage on me. I contacted their customer service right away. I sent them the charge screenshot and the car damage photos and tried my best to explain what happened in simple English. They told me that the rental company said I did not call the police and there was no police report and no alcohol test so the insurance on their side did not work. That is why they charged the full cost. When I heard this I felt even more broken. I blamed myself a lot. I felt I kind of hurt myself because I did not know the local rules. Luckily when I made the booking I had added AXA Full Coverage. At first I did not care much about this service. I just thought one more insurance might be safer. This accident made me know how big the coverage actually is. The support team told me they had already sent my case to the insurance company and asked me to send all photos and proof of the 3496 euro charge. I followed what they said and searched all my files and sent everything I could find. In the next days my heart was up in the air. They asked me to confirm the currency and the amount. I said euro and 3496 euro like my credit card record. After some time they told me that the insurance company had confirmed the claim of 3496 euro and asked me to watch my bank account and that I might get the payment in about one month. When I saw this message I felt so much lighter. It was like someone pulled me up from the bottom. Some time later I checked my account and saw the money had arrived. The number was the same so it covered all the damage that the rental company took from me. I did the math. This accident was a really deep hole. Without AXA Full Coverage I would need to pay the whole cost by myself. For a student like me traveling abroad this is really too heavy. Now when I look back I will still remind myself that next time if something like this happens I must call the police first and call the rental company and follow all the steps. But at least this time the final result is not that bad. Those weeks of stress were washed away by the message of the refund. For me this experience showed that the extra protection I bought is not just a line on the order. It is something that can pull you out from a huge bill when things go wrong and it all started when I clicked the option AXA Full Coverage on my booking with QEEQ.
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