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 804-893-4043 or make an appointment online!
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Nicole LeVault, 11/06/2020
804 is the best auto repair I have ever done business with! They gentlemen are friendly and personable. They keep me updated with the status of my car and diagnostics, they help to provide me options with repairs and costs. In my case they even helped to search for current warranties and they ended up referring me to the dealership to have the work done so I didn't have to pay anything for the work. I returned for some maintenance work and they were just as cost conscious for me, time efficient, got me an appointment right away, nice and pleasurable to work with. They have my continued business and I would recommend them to everyone!