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 510-284-0074 or make an appointment online!
What People Say About Us
I've been going to Autowise for years. The people who work there are friendly and professional. Right now my family owns and maintains 5 cars. Autowise services all of them, and I have never been stuck by the side of the road in any of them because they do such good work. That is very important to me, especially when my children are behind the wheel. As far as price goes...cars are not cheap to maintain! I would recommend that you shop around. You might find a better price, but remember the old saying...You get what you pay for!
Professional & experienced staff!!
I take my two cars to them, I always had good experience with them. They identified the issue and proposed the fix, estimation and upon approval they did the fix. It worked great. I feel , they are honest hard working and only recommends what needs to be changed to keep the car in good condition. The quotes are reasonable This makes me trust them.
The shop is a great shop they have excellent mechanics that really know your car inside and out there little spendy but I recommend them!
The folks at AutoWise are terrific! They diagnose problems brilliantly, repair what needs to be done, but don?t ?push? to have unnecessary work done. They can take you home so you don?t have to wait there. All work on my 2003 Saturn Vue has been done by AutoWise and my old SUV runs well! Estimates on work are accurate and work is done in a timely manner. Because it is a family business, clients are always treated with courtesy and warmth. I highly recommend AutoWise and wouldn?t go anywhere else!
Good people and great service. My wife and I have been bringing our cars here for years. Mike and Laurie are a pleasure to deal with.