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 727-575-7485 or make an appointment online!
What our clients are saying about us
We have established longterm and stable partnerships with various clients thanks to our excellence in solving their automotive needs!
If you need a place to take your car Randy's is the place to take your car. I took my car in Friday and yesterday because of what was going on with my car and in a matter of just a day or two my car was fixed and it is running great thank you to Randy and the guys that work at his shop and thank YOU LORD because without Randy and his guys who work hard everyday my car would not be running the way that it is today. My experience at the shop was great, the service on my car was phenomenal and the service while I was there waiting was great as well. So like I shared if you need a place to take your car Randy's is the place to take your car. So thank you again Randy and the guys who work there everyday. Y'all are doing an amazing job. Blessings Shalom
I'm a new snowbird and wanted to ensure my 13 year old Toyota Tacoma would get me back to Michigan safely. I wanted the serpentine belt replaced and the brake fluid flushed. Turns out my truck needed rear brakes and 3 universal joints replaced. They kept my truck overnight and made all the necessary repairs for me. As a bonus, they fastened and quieted an annoying exhaust heat shield rattle. GREAT JOB, GREAT SHOP. THANK YOU