Insurance & Payment

Are You Covered? We accept all forms of insurance and handle the paperwork for you. Just tell us the name of your insurance company and policy number and we’ll do the rest. Some of the insurance companies accepted, but not limited to, include:

Allstate
State Farm
Prudential
Geico
Travelers
Liberty Mutual
Other payment methods We accept all major credit cards—VISA, MasterCard, American Express, and Discover and cash.

Ready to restore your vehicle or replace your broken window? Call (626)409-0080 for a free price quote

How does the vehicle appraisal and repair process work?

If it is determined that your vehicle is not safe to drive, we will dispatch a licensed auto damage appraiser to perform the inspection wherever your vehicle is located.

Under any of the above options, your Safety Claims Adjuster will help guide you through the process.

Once your damage appraisal has been completed by a licensed appraiser your insurance will send you a copy of the damage appraisal along with a list of registered repair shops located in your county.

You are free to select any repair shop to perform the work on your vehicle even if the shop is not registered.

What happens if my auto repair shop finds additional damage that was not included on my appraisal?

Although the licensed damage appraisers will make every attempt to identify and include all of your vehicle’s damages during their initial inspection, there may be instances where some damage is not clearly visible during the initial appraisal. Sometimes additional damage is discovered after your repair facility begins removing the damaged parts to your vehicle. In these situations, your repair facility should contact the appraiser to prepare a “supplemental appraisal” to cover the additional costs.

How will payment be made?

For repairable vehicles, your insurance will pay your repair shop directly, with your written authorization, or issue payment to you and your lien holder (if applicable). You are responsible for payment of your deductible to the repair shop unless you purchased the Waiver of Deductible Endorsement and the requirements have been met to waive the deductible. Any payments made on supplemental appraisals will be issued according to the same methods described above.

For total losses, payment will be made to you, less any applicable deductible, when no lien holder exists. If there is a lien holder who retains a financial interest in your vehicle, payments would first be issued to satisfy those obligations and any remaining balance would be made payable to you.

What is a deductible?

A deductible is the amount of money you are obligated to pay as a result of an accident and is deducted from the initial claim payment. If a policyholder has purchased the Waiver of Deductible Endorsement, the deductible amount for Collision Coverage will not apply under certain circumstances. These specific circumstances include:

The auto was legally parked when struck by another auto owned by an identified person
The auto was struck in the rear by another auto moving in the same direction and owned by an identified person

The operator of the other auto was convicted of any of the following violations:

Operating under the influence of alcohol, marijuana or a narcotic drug
Driving the wrong way on a one-way street
Operating at an excessive rate of speed
Any similar violation of any similar law of another state in which the accident occurs. However, we will not pay if the operator of your covered auto was also convicted of one of the violations

You are entitled to recover in court against an identified person for some reason other than those listed above

Can I rent a vehicle while my car is in the repair shop or is a “total loss?”

If you have purchased “Substitute Transportation” (otherwise known as rental coverage) as part of your policy, you will be entitled to rent a vehicle, subject to the coverage conditions and maximum limits afforded by your policy, while your vehicle is being repaired.

If your vehicle is a total loss, your insurance will pay reasonable rental costs until a settlement offer has been made. This will also be subject to the maximum coverage limits purchased on your policy.

Your Claims Adjuster will gladly assist you with arranging for a rental car. The rental company may bill us directly for the charges covered under your policy.

What does it mean when my vehicle is declared a “total loss?”

A vehicle is considered a “total loss” when the cost to repair the damaged parts are equal to or exceed the vehicle’s actual cash value. Additionally, a total loss will result if the structural integrity of the vehicle is compromised and the vehicle cannot be restored to its pre-loss condition.

What is “Actual Cash Value?”

The “actual cash value” (ACV) represents the sales price of a vehicle offered in the marketplace from a car dealer or private owner. It takes into consideration a vehicle’s age, mileage and current condition in determining a fair value.