Insurance Questions
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.
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.
We guarantee our own work, but the insurance company does not have the legal right to guarantee a third party’s work.
It depends on the circumstances. If you were at fault, but have comprehensive or collision repair insurance, the insurance company will pay the costs minus your deductible. If the other party was at fault, their insurance company should pay.
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.
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.
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