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 916-972-1872 or make an appointment online!

Reviews

I highly recommend Garage 47 for your auto maintenance needs! Let me first start off by saying I love the name of this business. I was drawn by the awesome reviews this place received and had to give them a call. My check light engine came on and had to take my car to an auto mechanic place that I can trust! And I absolutely found a place not only I can trust, but a place I plan on taking my car in for its needs for now on! Guy, if you are reading this, you are such an amazing guy (no pun intended!). As soon as I walked in you had a warm presence. You took my concerns serious which makes you different from the rest. This man really cares about his customers. He showed me everything that was wrong with my car and even gave me a run down of what could happen if I don’t take care of the urgent maintenance right away. I absolutely loved how Guy called me to tell me that they’ve found something else wrong with my car during the service. He asked me if I wanted that to be worked on instead of them working on it without my knowledge. He wanted to make sure I was ok with it. I thought that was very thoughtful and caring. Guy only focuses on what your car actually needs which is what I love. The whole process took only a few hours. His crew were also nice. Everyone makes you feel comfortable. Guy, you have gained yourself a new customer! Thank you so much for being concerned of any questions I had and taking good care of my car as it was being serviced. Thank you Garage 47 crew! If you’re looking for a very reliable caring mechanic, then look no further and give them a call!

Crystal D, 12/04/2024

Went in for an oil change and ended up getting a brake fluid & coolant system flush as well. The picture of my brake fluid showed it was in bad shape and it supposedly was flushed last year by the dealer. I feel I can trust Guy, the operations manager, and his crew to be honest and do only what my car needs and actually do the work! The prices were lower than the dealer as well. I was waiting and my car was ready in 2 hours. I have waited that long for only an oil change at the dealer. I am happy I tried Garage 47 and definitely will return for future service.

Susan G., 11/24/2024

Guy is awesome. Stayed OT with Patrick, to make sure my truck was good to go.

Duane Armstrong, 11/19/2024

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