360 Auto Repair Services
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 925-757-3000 or make an appointment online!
OUR REVIEWS
Antioch, CA
Julian McNair, 07/07/2026I don't often leave reviews, but 360 Auto absolutely deserves one and more praise than I've ever given a business before. I had a great experience working with both Sam and Joe. Sam went above and beyond in a way that really stood out. He was able to provide all-around amazing service to my vehicle up until it ultimately needed to be retired due to a manufacturer engine flaw. In addition to servicing my vehicle, his knowledge of the auto industry is deep. He was incredibly knowledgeable about a known Hyundai engine defect issue I was dealing with, and his advice helped save me thousands of dollars. Because of his guidance and technical know-how, I was able to handle the situation properly and ultimately receive full compensation from Hyundai. His advice during the process of purchasing a replacement vehicle was also incredibly valuable. He is honest, patient, professional, and clearly cared about helping me make the right decision, not just rushing me through the process. I was respected, taken care of, and never pressured. Sam and Joe have earned another lifelong customer, and I highly recommend 360 Auto to anyone looking for honest, knowledgeable, and trustworthy help with their vehicle.
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