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Auto Insurance FAQs

Working Hours
  • Mon 8:00AM - 5:00PM
    Tue 8:00AM - 5:00PM
  • Wed 8:00AM - 5:00PM
    Thu 8:00AM - 5:00PM
  • Fri 8:00AM - 5:00PM
    Sat Closed
  • Sun Closed
    Closed February 19th

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 520-459-2216 or make an appointment online!

What People Say About Us

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    AZ Auto and Radiator performed a thorough check of my vehicle and found some issues that I suspected were present, but were never diagnosed by another local auto business. The owner took the time to show me (on the vehicle) what he recommended and why. Professional, friendly service, and they didn't pressure me to have everything fixed immediately. Highly recommended!

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    As usual, Danny and staff did an AWESOME job! Danny and AnnMarie are wonderful people and are as honest as the day is long. AZ Auto and Radiator have been doing the maintenance on all of my vehicles since 1997 or 98, and I will continue to take my vehicle maintenance needs to them. They do excellent work, and will tell you the truth about your vechicle maintenance needs; without all the extra stuff that other auto shops will try to sell you. Take your vehicle to Danny and crew for you next vehicle maintenance needs--You Won't Be Sorry!

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    Danny and the crew at Arizona Auto are tops for reliable workmanship and customer service.

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    Just had my oil change and a much-needed window repair before monsoon season hits. I have an older vehicle and I like that Danny and AnnMarie take a wholistic approach at caring for my car--they try to watch for possible issues and let me know what might be coming up. They are also mindful about determining the cause behind any needed repairs (if it is not something attributed to basic wear over time) so that we don't end up repairing the same issue over and over.

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    Not only can we trust that our truck is getting excellent, and current, service with Arizona Auto; each time we go, there is some thoughtful improvement to the waiting area. We couldn't be happier with them!

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    Seventeen years later we still depend on our extended family at Arizona Auto to fix our problems.

Call us for service: 520-459-2216

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