Not as seamless as it should be

The time spent on picking up the car was longer than expected. We waited for almost an hour to get our car.

Didn't quite understand how the third party insurance from AXA work. Was surprised when I was told that I had to pay the excess of up to $6000 upfront if any accident occurred during my trip. I thought the claim process should be between AXA and Budget and should not involve the user