626-257-3066 | 767 East Arrow Hwy Azusa, CA 91702
Auto Insurance FAQs
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 626-257-3066 or make an appointment online!coupons
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Testimonials
Nikki Liu
Ok, so we all know finding a reliable, trustworthy auto mechanic is like looking for lost treasure: IF its out there, you'll be spending a lot of the time looking. Well Raul's is gold. Raul is the owner and a complete business man with professional service and top quality customer service (and I should know- I work at Nordstrom). I will never go anywhere else. The prices are more then fair and the service is top of the line. I could make a list of all the things they have done FOR FREE. They have loaned me a car, done a diagnostic, checked wiring, picked me up, dropped me off, replaced valves , did research on warranties I could be covered under, EVERYTHING they could without charging me. Last time I picked it up, it had more gas then when i dropped it off. They put GAS in my car and didn't charge me. When does that happen? never. Only at Raul's. I dropped off a 6 pack just because I was that grateful.