Auto Insurance FAQs
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.
Who do I call to file a claim?
Reach out to your agent or insurance provider. If someone else is liable for your damages, it's essential to also get in touch with their insurance agent or company. The assigned adjuster will then guide you on any further necessary actions.
What does my policy require me to do after an accident?
Inform your insurance provider about the accident's details, including the time, location, and circumstances of the incident. Provide the names and addresses of individuals injured in the accident as well as any potential witnesses. Collaborate fully with the investigation process. Lastly, acquire or grant authorization for your insurance company to secure necessary documents, medical records, and relevant information.
Want more information on your rights? To make an appointment, call us at 301-577-3140 or make an appointment online!Partners
What our clients are saying about us
We have established longterm and stable partnerships with various clients thanks to our excellence in solving their automotive needs!
Customer service is 10/10. Communication about my car and what exactly it did and did not need was appreciated. My car was towed there and they called me promptly when it arrived to let me know it was safe. Fast and reliable service. They gave me an itemized work up of what need to be done to my car. What is loved about this place was the honesty of what I can do now to get my car to work and later I can talk about the other things when I was more financial able to. I didn't feel pressure to fix everything right then and there like most places who try to just get you to do everything right away. Will totally come back to get all the other stuff done to my car but I'm happy to have found a place I can rely on.
Good service here, I trust them to be fair with pricing and to do a repair well. Have been able to communicate about only getting necessary things done and then honoring that. I one time had an issue after leaving (not necessarily their fault), but brought the car back and they were able to address the issue.