Auto Insurance FAQs
Dealing with the stress of a collision is hard enough without trying to figure out how your accident insurance works. Here are some answers to frequently-asked questions about insurance policies.
Will the insurance company guarantee your work?
We guarantee our own work, but the insurance company does not have the legal right to guarantee a third party's work.
Who pays for repairs?
It depends on the circumstances. If you were at fault, but have comprehensive or collision insurance, the insurance company would pay the costs minus your deductible. If the other party was at fault, their insurance company should pay.
Do I have to accept the insurance company's appraisal of damage?
No. Check the "Appraisal Clause" in your policy if you have differences with their appraisal. It allows you and the insurance company to gather an opinion from an appraiser you both agree upon, or a third-party "Umpire" if you cannot agree.
Do I have the right to a rental car?
If you have purchased rental car coverage and were not responsible for the accident, you may seek reimbursement from the insurance company or, if another driver was responsible for the accident, their insurance company. If you do not have rental car coverage and were responsible for the accident, you have no grounds to ask for reimbursement. If the other driver was liable, you can generally seek reimbursement from their insurance company.
Who do I call to file a claim?
Reach out to your agent or insurance provider. If someone else is liable for your damages, it's essential to also get in touch with their insurance agent or company. The assigned adjuster will then guide you on any further necessary actions.
What does my policy require me to do after an accident?
Inform your insurance provider about the accident's details, including the time, location, and circumstances of the incident. Provide the names and addresses of individuals injured in the accident as well as any potential witnesses. Collaborate fully with the investigation process. Lastly, acquire or grant authorization for your insurance company to secure necessary documents, medical records, and relevant information.
Want more information on your rights? To make an appointment, call us at 904-375-1456 or make an appointment online!what our customers say
Gary is the only Mechanic I trust to work on my vehicle and my families vehicles. He has always treated me with respect and explains what's going on with my vehicle without making me feel like he's talking down to me. I can always trust that I'm getting a fair price and I leave confident that all concerns have been addressed. I highly recommend them!
I have a 2004 Audi and I've paid over $5,000 in repairs to the dealership alone. I was informed by a friend of mine that Gary's off of blanding can take care of you and they wont kill your finances doing it. Well, not only was the job fantastic but the customer service was superb. And the cost savings was excellent!!!!! What a faithful team of experts have done in a few days has convinced me this is the place all my vehicle concerns can be met. Thanks again guys!!! Superb Service.
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