727-201-4494 | 4000 54th Ave N St Petersburg, FL 33714
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 727-201-4494 or make an appointment online!coupons
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Testimonials
D Hubacher, 12/16/2025
I am not one to write reviews, but I can't say enough good things about LT and his shop. I have two older vehicles that I absolutely love (BMW and Denali SUV - both 2001) He does domestic vehicles too!! When cars are 20 years old - ALOT of stuff needs to be replaced. He currently does all the work himself because the people he has interviewed did not live up to his quality of work and standards. That tells me he really cares about his craft, quality of work and reputation. I have thrown a lot of VERY DIFFICULT jobs at LT that other shops would not touch. Not only did LT knock these jobs out with suburb quality and care - he did it for a FRACTION of the price that the dealership & some other Indy BMW shops wanted to charge (I know because I called around). Both my vehicles are running better than ever. I am so grateful to have a masterful, trustworthy and scrupulous mechanic that is local. I have lived all over the country and had countless car repairs done throughout my time. Mechanics like LT are hard to come by these days.