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 510-494-8081 or make an appointment online!
What People Say About Us
Roger at RST rebuilt my 1956 Imperial's hemi superbly. This is not an easy feat to say the least and I couldn't be more appreciative.
The real one stop repair shop!
I have been a loyal customer for over 7 years with rst, Roger really knows what he's talking about and always takes the extra mile to make sure my car is not only road worthy but explains why my car needed service would recommend to anyone! If you need service and live in the tri-city area check this shop out!
Roger has exclusively worked on my automobiles for approximately a decade. This shop is like no other. You get the truth. You get expert repairs. You get expert customization. This shop builds racecars and has been around a long time. If you want the local equivalent of the Indy 500 pit crew working on your vehicle at competitive pricing, go here. If you want cheap repairs that cost more in the long run, sell your car.
Great Place. Great customer service. Very polite and informative.
This is a great repair shop,, it took me years to find a good mechanic and I finally found a knowledgeable, friendly and very good mechanic to service my car. I highly recommend RST for all of your automotive needs.