760-591-3920 | 736 W San Marcos Blvd Suite 105
INSURANCE QUESTIONS
INSURANCE QUESTIONS, San Marcos, CA
Know Your Rights
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.
Want more information on your rights? To make an appointment, call us at 760-591-3920 or make an appointment online!
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Testimonials
Dave White, 12/10/2020
Sal did a great job on my Camry and my Odyssey. Although a clutch is a rare thing in this day he got my Camry running in just a day. He did a power steering repair and finished in just a few hours. Prices quoted were very reasonable, and with the exception of a small electrical part that was discovered damaged, he stayed on budget. Five Stars for Speedy Tune and Brakes!