Know Your Rights
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.
Want more information on your rights? To make an appointment, call us at 480-969-2952 or make an appointment online!
Know Your Rights
What our clients say about us?
Reviews and comments from our satisfied customers
A very honest place to get car work done take my vehicles there all the time.
Jeff was great. This is my first time bringing my truck to Rayco. I will be bringing my cars back to Rayco. Thank you for the professionalism and the honesty.
They were friendly, fast, and seemed to have integrity in their business dealings. They fixed my AC for a reasonable price and didn't try to sell me on anything extra or unnecessary. I'll definitely go there again!
I have been trusting my vehicles to these guys for over fifteen years! I can't say enough good things about them . They are honest, do great work and stand behind it, never try to sell you things you don't need, and their prices are fair.
There a good little shop that is helpful. The place is very neat considering how small it is and the fact that it is a Mom and Pop shop.