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 618-654-8471 or make an appointment online!
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My vehicle broke down on a long road trip in some random place along I-70. I looked for a mechanic with good review to tow my vehicle to it, and I was lucky enough to find Keith's Automotive Center. They went the extra mile and lent a helping hand when I was literally stranded in their small town. They got my car into a service bay on a same-day basis and got back to me with preliminary diagnosis before close of business. They continued to troubleshoot the next morning and gave me solutions with quotes that were accurate. They worked over the next week to keep me informed as to progress, and in every way they went above and beyond to make sure that I was taken care of, even helping me get squared away while I was in town and trying to figure out how to get home while I awaited repairs. They delivered their work faster than they had quoted and faster than I'd have expected. Then because I had to come back from out of town, Adam met me outside of normal hours to return the vehicle to me. These guys are trustworthy and pros.