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 772-873-2414 or make an appointment online!
Ken Fisk, 06/21/2022
I had just converted my 2020 Hyundai Elantra from a lease to a purchase and now owned a car I thought I was going to turn in. I had not done any of the maintenance except for oil changes as I thought Hyundai would be taking care of that. With the car over 40K miles and due to experience with other prior purchases, I figured I was in need of a transmission oil change, Radiator flush and a engine oil change. The nice people at Cottin's made an appointment and we got together on the appointed date and time. They had the car on the rack about 15 minutes and came out to tell me my transmission oil was nowhere close to being due. Per Hyundai, that was a 120K service and they had a tamper sticker over the plug as it probably should be done at Hyundai direct. I asked them about the radiator. Again, due at approx 80k and my car was only 40k. They offered to still do the service if I really wanted to waste the money, but said it was not necessary. All I really needed was an engine oil change, air/cabin filters and some wiper blades. They took care of those items quickly and efficiently and the cost was very reasonable. Most other shops I know would have done the work I originally requested and not said a word, happy to make the quick buck without me being the wiser. Cottin's on the other hand only did what was needed and did it well. I am very pleased with the services done and will be back in the event I do have a break-down or when I do hit the mileage for the other services. Thank you for being SO honest and transparent. You have earned a customer for life!
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