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 904-800-2714 or make an appointment online!
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What Our Customers Are Saying
On 3.2.2026 I used ChatGPT to find me an auto repair shop, with high ratings, 10 mi of my home. I reached out to the top three asking for quotes and after obtaining them Everything Automotive won out. Although their was in the middle of the three, they gave a waaaay better warranty. I spoke with Michael. He assisted me with obtaining more information and scheduling my appt. He was very patient and helpful. I had a great experience at Everything Automotive. The waiting area was clean, comfortable, and welcoming, which made the visit much easier. The staff were friendly, professional, and took the time to explain what was going on with my car. I initially thought my alternator needed to be replaced, but after diagnosing the issue they found the actual problem and it ended up costing much less, only $177. I really appreciated their honesty and not replacing parts that didn't need to be replaced. Tony, the owner, personally drove my car to make sure the stalling issue was fully resolved before returning it to me, and he even thanked me for my business. That level of care and integrity goes a long way. If you're looking for a trustworthy and professional auto repair shop, I definitely recommend Everything Automotive.
Great service, quick and they have thorough communication.
Excellent work and reasonable prices. Customer service was amazing from start to finish!
I recently had a great experience at Everything Automotive. Mike, the service manager, runs a tight ship and makes sure everything is handled efficiently and professionally. Communication was clear, timelines were accurate, and the entire process felt smooth from start to finish. It's obvious he takes pride in making sure customers are taken care of. Highly recommend if you're looking for honest, reliable service.
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