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 904-819-6599 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
Had a great experience with Evans Automotive in St Augustine . I originally went to Hanania Jeep (huge mistake)in town, because Evans Automotive was closed for Christmas and I was desperate. Hanania quoted me $1300-1600 for ignition and new keys ( keys weren't needed). I felt very pressured there and left, and waited for Evans to reopen. Evans repaired my 2016 Jeep for $596. The service was excellent, with no pressure. They did only what was needed and no upsell. Evans stands out for their integrity, great service and high quality work. I highly recommend them to anyone needing reliable and affordable repairs. ( If they happen to be closed, just be patient because it's worth the wait :))
Very honest and transparent, called and immediately was taken care of, gave me a free brake inspection and they put on my tires that I didn't buy through them and took care of a full brake service! Dropped off at 11:45 am on a very busy Monday and had my car ready before they closed. Very happy with the job they did and I will definitely be back.
Quality service and great communication! Hard to find quality service with great communication and these guys are great at both! This is a business I trust and would highly recommend.
Make em sing that song run run Rudolph Santa got make it to town in there head that song will be
