That day in Naha in Okinawa I really learned how important insurance is because of a small accident. I booked a Lexus CT from Sakura Link through QEEQ. It was automatic with four doors and five seats. The car looked clean and kind of new. I picked it up around noon on May 26. The sun was very strong and the air felt hot like a real island. I just wanted to get in the car and turn on the air con. At the counter the staff from the rental company checked the car with me. I walked around the car and I remember the right back bumper was fine. The problem came a few days later. I was doing a U turn on a small road that I did not know well. There was a Mercedes stopped behind me. I thought the distance was okay so I reversed slowly. Then I heard a "dong" sound. It scared me a lot. It felt like my heart got hit. I jumped out of the car and saw my right rear bumper was scratched and a bit dented and the back of the Mercedes bumper was also damaged. I just stood there for a moment and my mind went blank. I only thought that this time I am in big trouble and it will cost a lot of money. I was really nervous. My hands were sweaty. I had to take photos and also talk to the other driver. I was worried about the language and also worried the rental company would charge me a huge bill. Then I remembered I had bought AXA Full Coverage when I made the booking. So I contacted their customer service and explained what happened. I took many photos of my right rear bumper and the damage on the Mercedes. I tried to shoot every angle so nothing was missing. A few days later I was already back to work but this thing was still in my head. The rental company gave a repair cost. It was about 280000 yen. When I saw this number I felt nervous again. It was not a small amount for me. I sent all the documents and photos I had. They also asked once about the name because on the order the driver name was Francis Foo and on the rental form it was FOO KUM KEONG. I explained it was the same person with just a different way of writing. I could feel they were following the case all the time. When they needed more photos they told me and I tried to find them fast on my phone or organize them better and send again. During that time I checked my email and my bank account every day. I was a bit scared but also had some hope. I really wanted this insurance to help me. One day I saw the update that the claim was successful. The paid amount was 372770.32 yen. It was even a bit more than the repair bill I remembered. At that moment I finally relaxed. It felt like I was holding my breath under water and then I came up and took a big breath of air. I thought about that "dong" sound again and I knew it was my fault for not being careful. But at least this time the insurance covered it. As a young person who is still working hard and saving money this kind of sudden cost would hurt a lot without it. Now when I think about that Lexus CT and those hot sunny days on the roads in Okinawa I do not only remember how the car drove. I remember that after the accident they did not just leave me alone. When the money from the claim arrived I finally understood that choosing AXA Full Coverage at the start was not just clicking another option. It was like buying a bit of peace for myself.
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