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 518-437-0304 or make an appointment online!
Know Your Rights
Miscellaneous Services, near Albany, NY
I would like to say a HUGE thank you to Vinny and the entire staff at your facility. We are contractor from Michigan and were having issues with one of our fleet trucks. I called several dealerships and service centers in your area and not one company would help us. I called and talked to Vinny and he helped us with no issue. We were in a time crunch as we were leaving in a day to head to Chicago for another job. Vinny was able to get our truck in, drive our tech to his job, and pick our tech up from the job to get his truck back. The biggest thing that I appreciate is the cost of your service. You guys could have charged anything knowing we were in a pinch and needed to get to Chicago. Your charge was actually much cheaper then any repair shop we use in Michigan. It is really nice to know there are honest companies out there still. Again Thank You Vinny!!~ Dan Osobka - Healey Fire Protection
Well informed of all repairs needed and estimated costs. Always very friendly and courteous over the phone and over the counter upon pick up or delivery. Quality of work is excellent!~ Sally D.