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INSURANCE QUESTIONS

 58 Verified Review(s)

Know Your Rights

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.

Want more information on your rights? To make an appointment, call us at 209-933-1829 or make an appointment online!


what our customers say

I highly recommend Familia Auto. They took care of wheel bearings on my 2014 Forester. The diagnosis was spot-on and replacement was done quicker than what I could have gotten at dealership. Price was very reasonable as well. I plan on using for other maintenance needs.
D
, 09/09/2022

Great quality work. Reasonable prices. I'm a woman and I'm able to trust this shop with my cars. He always makes time to fix my cars and gives me the options to get it fixed quickly and without breaking the bank. I'm appreciative of their excellent services
R
, 09/09/2022

Right when I walked in I felt right at home
J
, 09/07/2022

Familia Automotive have taken care of several parts replacements on my car, and - with a couple more repairs and general maintenance on the horizon - I can't wait to use them again! Friendly, calm atmosphere; professional and VERY knowledgeable staff; super clean and appealing facilities; quick and efficient service...all things that will absolutely make you want to give Familia Automotive your business.
M
, 09/07/2022

Klent was very helpful kind and reliable walked me through everything he did to my car great customer service highly recommend him.
U
, 09/01/2022

I just recently took both of my vehicles for service at Familia automotive . The customer service I received was outstanding. Klent and Steven went out of their way to make sure I was satisfied with their work on my vehicles. They were able to diagnose my AC and now it's working like new. They did a undercarriage cleaning to find any leaks my vehicles had. My mustang was overheating bad, and they replaced my coolant hose within a timely matter and charged me affordable prices for labor and parts. Not only do they have good customer service their work is reliable and dependable. I would 100% recommend this shop to everyone.
D
, 09/01/2022

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