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 850-243-6788 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
My daughter was in Fort Walton for her bachelorette party. Right after she arrived from Indiana, her car was showing an overheating warning. We called the very next morning and they were able to get her car in and fixed the same day!!! Amazing service all around. We are so grateful for the kindness and quick service on a Friday nonetheless. So thankful for this business!!!! 10/10 stars!!!
Heating and Cooling Services, near Fort Walton Beach, IN
Perfect service all around! We had reoccurring issues with our Volvo's radiator the past year and the Volvo dealer could not figure it out. Took it to Danny and team and they quickly identified the problem and gave a fair quote. The work was excellent and the customer service was exceptional throughout the entire process. If you are in the need of auto repairs, stop looking and call Dawn at Fort Walton Radiator Auto Air and Repair. You won't regret it--they are true pros.
Fort Walton Beach, FL
FWB Radiator solved a difficult Air Conditioning update problem on my classic 88 Vette. Danny and the professionals at FWB Radiator dedicated their time and expertise to making sure the job got done right. Outstanding results at a very fair price. I will definitely be back! 5 Stars.
Fort Walton Beach, FL
Had them put in a new carburetor couple weeks ago. It's running great. They did a great job. Reasonable price. This was done on a 1965 engine. Very happy with the work. They know their job.
Fort Walton Beach, FL
