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 480-213-6075 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
Kerry was professional, polite and knowledgeable. He explained everything clearly and thoroughly. I appreciate his care and patience with me as a new customer. I trust that he has the expertise to diagnose items others miss, while not upselling you for repairs or parts that you do not need. I appreciate his ability to use his experience in solving intermittent, or tricky issues. I would not hesitate to bring my cars to his location again or to recommend friends and family to his shop. Everything was straightforward and handled with courtesy. I look forward to working with Moncur's in the future.
General Services, near Mesa, AZ
Had a lovely experience getting my 4runner serviced here! Highly recommend- will be returning :)
Mesa, AZ
Moncur's was great! A/C went out on my car so I decided to take it to AAA to get diagnosed. They told me since the leak was so small that in order to find it, they wanted to charge me $450 to re-charge my A/C system up with refrigerant & dye, and then come back when the system was empty again so they could find the leak and diagnose what needed to be repaired/replaced. Then they were going to charge me that same price for refrigerant, AGAIN, on top the cost to fix the leak. Seriously? Moncur's found the leak by pressurizing the system overnight with dye and replaced the leaking condenser quickly. Had my car back to me working again within 2 business days and a 2 year parts,service, and labor warrenty. Excellent customer service also. Take you vehicle here to this trusted family business and not AAA. Thank you Moncur's!
Kerry was great! He went above and beyond, all for a reasonable price.
