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
I Brought my car in for an oil change. There was a light on the dash panel that I thought was just a reminder to change the oil. Turns out that it was Nissan's version of the check engine light. Roger and his team were able to diagnose the issue and clear the light. Always great service at RST!
I'd have to say after dealing with multiple mechanics in the tri-cities area that, hands down Roger is by far the most honest and professional mechanic I've dealt with to date, I'll be upgrading my 1971 corvette from a Muncie 4 speed to a Tremec 5-speed soon, I'll be contacting Roger again in the near future, to handle this project for me, I can count on his work, and he has the integrity to stand behind his work! Kudos to Roger and the RST staff!!
Butch Thompson, 06/15/2024
I brought my recently acquired American Clipper motor home in to have the coolant system flushed and the chassis lube. Roger took care of my needs on my old motor home and I want to continue to get the same service I have come to expect.
Thank you Roger & Jamie for providing excellent service! Our catalytic converter was stolen from our beloved RV. One of my tenants recommended us to them. Our CC was discontinued, but I was able to find a compatible one. Roger ordered it, delivered next day. We brought our RV in, and it was installed, caged. Not only that, we got it smog checked also. All in 1 DAY!! Thank you for helping us out, and providing speedy service. We will definitely will be back again for service on our RV! Thank-you!
I recommend Roger. He is an excellent mechanic and he does specialize in older cars which is what I have so that's helpful for me as well. Prices tend to be on the more expensive side, but with the older car I previously had, he was one of the few who could fix it.
RST has taken care of my truck since it was born. I trust no one else to work on the truck. When they tell me my vehicle is safe and running well, I feel so secure. I am 84 years old and safe and secure is a MUST. 5 stars does not seem enough.
Janelle Clarke, 01/06/2023
