- Mon 8:00AM - 5:00PM
- Fri 8:00AM - 5:00PM
- Tue 8:00AM - 5:00PM
- Sat Closed
- Wed 8:00AM - 5:00PM
- Sun Closed
- Thu 8:00AM - 5:00PM
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 805-482-7074 or make an appointment online!What People Say About Us
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Chris C.
My 2008 Volvo had several issues come up as it hit the 150K mile point. A/C system, radiator, CV boot, and brake control module all needed repair or replacement. KG took care of all of those over the past two months and everything has been performing perfectly since. No pressure or strong-arming tactics from KG.... they let you know what you car needs and leave the decision to you. Their shop is one of the neatest and cleanest I have seen, and that is always a good sign! They are also very up to speed with using internet for customer notifications, detailed information on the work done, and online bill payment. A great shop. -
Kathy A.
KG Performance and Auto Repair was recommended to me by a friend...I just needed an oil change but I was leery because in the past I've had other Mechanics tell me after an oil change that this that and another thing needed to be repaired ASAP. Turned out they were trying to sell me unnecessary repairs....Not these great guys at KG. Floyd was very professional and answered all my questions and he didn't make me feel dumb. When I picked up my car Floyd did mention to me about a couple of things that would need attention down the road but nothing dire at the moment. Great guy......So Ladies, if you need some work done on your car but you're not sure where to go because you're worried about being taken advantage of..... Worry no more, KG is the place to go ..Thanks again KG
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Andrew Y.
Expert and friendly service. Good value. Kevin and his crew service all our cars. -
Cody G.
They put up with the biggest headache of a vehicle and gave me such a good price for all their extra work.
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Reese C.
Reasonable estimate & cost, knowledgeable expertise, great service, quick response. -
Chris C.
My 2008 Volvo had several issues come up as it hit the 150K mile point. A/C system, radiator, CV boot, and brake control module all needed repair or replacement. KG took care of all of those over the past two months and everything has been performing perfectly since. No pressure or strong-arming tactics from KG.... they let you know what you car needs and leave the decision to you. Their shop is one of the neatest and cleanest I have seen, and that is always a good sign! They are also very up to speed with using internet for customer notifications, detailed information on the work done, and online bill payment. A great shop.
Call us for service: 805-482-7074
