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 850-249-8416 or make an appointment online!
Contact Us Today!
Got questions? We've got answers! Drop us a line, give us a call, or even stop by. Our team is eager to help you with any auto repair needs you have. Let's get you back on the road safely and swiftly!
What Our Customers Are Saying
Throughout the variety of services I've had done and been provided at Beach Auto Care, I have been met with top notch professionalism and reliability. What makes this shop my primary choice in the Panama City Beach area is the culture of mechanical integrity established by the General Manager, Joshua G. The employees at Beach Auto Care are dedicated to going above and beyond as a means of demonstrating operational efficiency and mechanical integrity towards each and every one of their customers' vehicles, while ensuring their needs are met in a timely and efficient manner. They reassured me that my vehicle was in the best of hands and made my overall experience pleasant and fruitful. I would like to offer a commendation to Assistant Manager Marissa H., and Senior Service Advisor David K., who greeted me with absolute professionalism and respect. Marissa provided the technical reassurance that my vehicle was in optimal condition and made the overall experience both enjoyable and comfortable while David's profound level of technical knowledge and transparent communication cultivate a level of consumer confidence that is rare to see and highly appreciated. The technician demonstrated an uncompromising attention to detail in every aspect of the repairs needed on my vehicle. The leadership at Beach Auto Care is a primary reason for my exclusive loyalty to this establishment.
Engine Maintenance, near Panama City Beach, FL
I can't say enough wonderful things about Beach Auto. I had a tire blowout today and had my truck towed there and I picked up my truck same day a few hours later. This is one of many things they have done for me and my family. They are honest, reasonable and caring. The entire team is just the best. I have a 2016 Silverado with a lot of miles on her and I feel comfortable and confident with them in my corner. Thank you Josh and Marissa!
Car & Truck Care, near Walton County, FL
I had intermittent problems with dash instrumentation display going out. I stopped and without an appointment had diagnostic check done. Receptionist and staff were so kind and prompt to take care of me. And no charge for the diagnostic check. It's refreshing to see a business that wants to help people and not just make a buck!
Electronic Services, near Panama City Beach, Minnesota
We are visiting from Illinois and the check engine light came on in our vehicle. I stopped in and spoke to Josh, explained that my code reader indicated a faulty O2 sensor. Josh explained what could cause this code and suggested a diagnostic be done before simply changing parts. Diagnostic was done, sensor changed and we are back on the road. Great staff from Josh, to the office staff, to the technicians. Highly recommend.
Engine Maintenance, near Panama City Beach, Florida
