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 one of our two convenient locations: 4443 Auburn Blvd Ste I Sacramento, CA 95841 at 916-333-4799 or 8489 Specialty Circle Sacramento, CA 95828 at 916-387-0580 or make an appointment online!
Contact Us Today!
Got questions? We've got answers! Drop us a line, give us a call, or even stop by. Our team is eager to help you with any auto repair needs you have. Let's get you back on the road safely and swiftly!
What Our Customers Are Saying
Great customer service! Returned the truck looking brand new inside and out. This was part of an insurance claim and they worked for me, not the insurance company. They were very helpful in answering any questions I had and kept me in the loop the entire time. They carry many certifications and hold themselves to a high standard. I hope I do not get in another accident, but if I did, I'll be going back.
Sacramento, CA
10/10! I was extremely satisfied my overall experience with Excellence Auto Collision. The entire team was incredibly helpful and provided clear guidance and support throughout the whole process. They kept me informed, answered my questions, and made what could have been a stressful experience feel smooth and manageable. I truly appreciated their help with the collision process.
Sacramento, CA
friendly great customer service and helpful with the process clearly explaining what to expect communication was great
Sacramento, CA
Awesome service! Great communication! Fixed right with zero issues! Truely EXCELLENCE!
Sacramento, CA
