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 760-788-4849 or make an appointment online!
I have always had a great experience when I have taken my car to action auto. David and his staff have always been very nice, helpful, honest, and professional. They let you know what needs to be fixed/replaced immediately, what may need to be soon or in the near future, and if possible give you options of the such. I won't take my wife's car and my car anywhere else!
I have been going to Action Auto for 7 years and have been very happy with their work. They always go over things with you and let you know what is needed and the price. If things change they inform you and let you decide what to do. I would recommend Action Auto to all. Nice place and great service.