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 540-710-5400 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!
I had been having issues, check engine light (CEL) had been coming on for some time, didn't seem to effect engine performance, boy was I wrong. The issues started out with the notorious "loose gas cap", I did a little on line search and saw where it was an easy fix, so I replaced the gas cap. Well, wouldn't you know it; that didn't fix the problem. The next "code" that popped up was "small evap leak". I figured I'd find the leak myself and bought a smoke machine. Well, long story short, I never used the smoke machine, I'm getting to old to crawl around on my truck searching for some small leak in the evap system. The easy fix was disconnect the battery, problem fixed, for a while. The problems went from loose gas cap, small evap leak, to misfire on #2 cyl. It seemed that every time I disconnected the battery, the truck seemed to run fine, for a while. I've been taking my vehicles to Affordable Automotive for years for inspections, I took my 2015 Ram 1500 in and told them the story, seems that the issue was the injectors were starting to fail, James called me and gave me the diagnosis, James and the people at Affordable Automotive are the greatest, can't say enough about them, my truck runs like new! I will definitely be bringing my vehicles to Affordable Automotive in the future!
Great customer service! This is what I remembered from previous visits in the past to Affordable Auto Repair. They are friendly and courteous. They take the time to explain everything up front and answer all your questions. Matthew handled everything concerning my service from beginning to end. James also followed up to make sure things were right and was a great listener. Just good people to deal with. Oh what did I have done? Had my 2007 Toyota Highlander inspected there today. Inspections are always a necessary pain and I hate it when it comes around. I was there when they opened at 8am and they took my car in right away. I had a couple of items that needed to be fixed to pass which Chris the inspector explained to me and showed me. Matthew, who checked me in, said if I got these fixed, they would slip me back in to verify the fixes, remove the Rejection and replace it with a new inspection sticker. Done deal! Just as they said! I couldn't have asked for more. Thanks Matthew, James, and Chris!
