"There is a small dent on the bonnet." When the staff at the Europcar counter in Geneva said that on my return morning, I just froze. I had booked the car through QEEQ and drove a BMW 1 Series automatic. I thought dropping off the car would be very smooth. Then he pushed a paper to me and the bill showed 569.31 euros. My heart just sank. My first thought was that I was really glad I bought AXA Full Coverage. Without it, this amount of money would be a big pressure for me as a young person who just started working. After I left the counter that day, I went back and kept thinking about what happened. I sorted all the papers from the rental desk and kept every photo and bill. When I drove on the mountain road earlier, a small stone flew up from another car and hit the bonnet. It left a small dent. It looked not so serious at that time, but it still became a damage cost. Then things got a bit messy. The rental company sent me some emails. They went into my junk folder, so I found them very late. When I finally saw them, the total amount was already over six hundred euros. I stared at that number and felt nervous. I did not really understand why it was higher than the first 569.31 euros. I was also worried that the insurance side would get confused by this. I started to explain the situation to them. I found the first bill from Europcar that clearly showed 569.31 euros. I also checked the later emails where the amount increased. I noticed the extra part was actually interest and collection fees, not the original car damage. I wrote this very clearly and told them what the real damage cost was. Then I checked my UK bank details again. I made sure my name, IBAN and everything were correct because I did not want any mistake to slow down the payment. During this time, I sometimes looked at the email chain and still felt worried. I was scared that I did not explain something well or that one document was wrong. Every time they sent me more questions, I opened the bill and read it line by line. I kept pointing out that 569.31 euros was the damage itself and that the rest was just interest and late fees. My English is only at a high school level so my sentences were simple, but I tried to be direct so they could understand me easily. After some time they told me that the claim would be paid based on 569.31 euros. When I saw that email, I finally let out a long breath. Later the money arrived in my bank account and I checked the number again and again. It matched the first bill from the rental desk. At that moment I really felt lucky that I had AXA Full Coverage. A tiny stone and a small dent turned into a big bill, but this insurance covered it. For someone my age, having the damage paid back like this and seeing the claim end in a clear and fair way means a lot to me.
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