If I have a deductible, how is it paid?
Your deductible is collected by Govani's Auto Body when you come to pick up your completed vehicle. Contact us and we can discuss saving you up to $500 on your deductible.
Can I get other damages on the car fixed even though they are not part of my claim?
Absolutely. Just let us know what else you’d like fixed when you’re dropping off your vehicle.
Does my insurance company cover scratches?
Most insurance policies cover scratches under their comprehensive coverage. A distinct advantage is that these claims do not necessarily affect your insurance rates for collision coverage.
Since the other party is at fault why do I have to pay my deductible?
Your deductible is what you agreed to pay when you purchased your policy. If you are pursuing a claim under your policy, you may have a deductible. If the other party is at fault, your insurance company should try to pursue reimbursement of your deductible through that other party.
What if I need a rental vehicle?
INSURED'S: If your insurance company is paying for the repairs you may have an endorsement for Loss of Use on your policy. Your insurance policy will spell out the amount of rental coverage exactly. Ask your insurance claims representative for details. CLAIMANTS: If the other party is paying for the repairs they will also reimburse you for reasonable transportation while your vehicle is in the repair facility. This should include the daily rate, daily license fee, plus tax. Insurance on your personal vehicle may extend to your rental vehicle, so we recommend that you check with your insurance company.
What does it mean if my vehicle is a total loss?
It means that it would not be cost effective to have the vehicle repaired due to the damages it sustained.
What happens when vehicle is deemed a total loss?
The insurance company has their Total Loss Specialist run a local market valuation specific to the year, make, model, condition and mileage of your vehicle. The Specialist will then contact you regarding the valuation. This should include the vehicle replacement cost and tax and license fees. Your insurance company will also pay for any charges to your vehicle at the shop and pick up your vehicle for sale at auction to a salvage yard.