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 805-486-9025 or make an appointment online!
Jason W., 08/19/2016
Mike is a honest, hard working, and A family man. When I first moved to Oxnard From Santa Cruz. I had no idea who to take my old ford ranger truck to. Hard to find a good mechanic in the area. i took it to Titos. He replaced radiator, water pump, and thermostat for a great price. 6 mo. Later the water pump went out on me, and he replaced it free of charge. All his parts are under warranty. Then a hose broke and I thought my truck was done. Came back again it was only $50. Mike is a Solid guy. doesn't try to rip u off, and way cheaper than going to a dealership.He tells you exactly what's wrong, and doesn't try to fix things that aren't necessary. I took it to marios across the street and they told me I had a cracked head gasket(1800) and that wasn't including rad, pump, stat. Took it to Mike and said they were lying n there was no cracked head. He told me if I ever have problems to come see him. Thanks Mike! His team were very nice too. A++ FIVE STARZ. Highly recommend.