Williams Automotive
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 805-656-1026 or make an appointment online!
OUR REVIEWS
Brian Golliher, 04/23/2025This is a fabulous shop!! Please go here. I took my car somewhere else and they wanted to charge almost $4000 for maintenance and parts replacement. Williams looked at my car for free and informed me that this level of wear is common for cars at my mileage. They checked to make sure the part is functioning safely. All with the utmost kindness and service. I will always take my cars here now that I’ve found it. If you’re looking for a place that isn’t trying to rip you off and wants to do honest work to help you take care of your car this is it! Will never go anywhere else. Second visit was fabulous. They seek to be honest and fix what you need. Just took my car for 150,000 mile maintenance and was very pleased. They did a lot of work for a very fair price and communicated clearly throughout the whole process. Thanks!!
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