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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 765-643-6991 or make an appointment online!


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reviewiconAnderson, IN

I had an appointment to get my 2011 Silverado 2500 aligned. They found there was an issue and corrected it but were concerned it may still pull due to the uneven wear on my current tires. They were going to try to move them around to make it track the best they could, but the tires had 50k miles on them so I decided to just replace them a few months earlier than planned. They got me a fair price on some tires I had already inquired about and took care of it the same day. They didn't try to push me into the sale or any extras. I appreciated their advice and will definitely be going back for future needs.

, 05/13/2021

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