Working Hours
  • Mon 7:30AM - 5:00PM
    Tue 7:30AM - 5:00PM
  • Wed 7:30AM - 5:00PM
    Thu 7:30AM - 5:00PM
  • Fri 7:30AM - 5:00PM
    Sat Closed
  • Sun Closed
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727-343-4242 | 7121 9th Ave North

INSURANCE QUESTIONS

INSURANCE QUESTIONS, St.Petersburg, FL

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 727-343-4242 or make an appointment online!


What Our Customers Are Saying

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We were on vacation and a long way from home when the brakes started scraping and making noise. These guys checked our brakes free of charge and ensured us it was nothing to worry about, which was a big load off my mind. They could've easily taken advantage of us. Highly recommended.

, 02/24/2021

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Wow, it's been a long time since I have encountered an honest mechanic shop. The shop is spotless. The owner is professional, polite and knowledgeable. I hope I don't have to see them again but if I do I am sure they will take care of my issues. Friendly and honest. Thanks guys!

, 10/12/2020

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These guys are great! Had a couple things fixed and they were fast and gave me a great deal.

, 09/18/2020

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Bob Ortiz and his staff have worked on 4 cars for my family. Each and every time, Affordable Auto and Truck Repair provided quality service at a reasonable price. My first experience was when my son called AAA due to a late night problem. Affordable Auto and Truck Repair arrived quickly, towed his car to their facility and secured it and repaired and returned it to him the next day. I have since taken my car for regular maintenance and new tires; my wife's car due to an electrical issue; and my daughter's car for a sensor issue. For my daughter's car, Bob recommended that we also replace her tires. He gave me a quote on a new set of tires but also informed me that for the type of tire my daughter needs, he wouldn't be able to compete with the national tire companies and suggested I shop around. At every juncture, Bob has dealt with me honestly and fairly, always kept me updated on cost and time to completion of the job, and provided quality service. By putting himself in the shoes of his customer, Bob and Affordable Auto and Truck Repair offer the highest degree of customer service. They deserve and have earned my highest recommendation.

, 07/16/2020

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Great customer service

, 05/15/2020

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Great customer service! No hassles, good people!

, 02/28/2020

  • ASE (Automotive Service Excellence)
  • IDENTIFIX
  • Jasper
  • AAA Approved Auto Repair
  • ASE Master Technician
  • BBB Accredited Business
  • ALL-DATA
  • Mitchell1
  • Car Care Aware
  • Call Us For Service: 727-343-4242