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 602-888-4927 or make an appointment online!
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These guys are awesome! They had the cheapest prices in the area and were thorough with their work! When things took a little longer than expected, they changed my oil for free-- they were super generous and switched out new parts for free. after they saw my check engine light was on they looked in my car again and offered to fix what was wrong. As someone who doesnt know a lot about cars i felt secure with them having mine and they kept consistently updated! I will be continuing to come back!
Eddie is such a cool dude. Very smart and intelligent on what he's doing. He fixed my AC that was leaking and some other parts as well. AC is blowing cold cold air. Thank you so much.
Eddie was able to squeeze me in the same day for my appointment for a resonator delete and my car sounds amazing!!! I 100% will be coming back!
10/10 mechanic, Eddie was able to diagnose the issue that my truck was having in a day and when it came back that it needed a transmission rebuild I thought it would be way expensive and a long process but it took him only 2 days and was half the price that ammco had given me for the transmission and offered more than double the warranty that ammco offered, thank you again eddie you guys are awesome
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