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 919-467-7016 or make an appointment online!
Harrison Kim, 07/27/2020
I’ve been coming to P&A Smith for past several years after a particularly bad experience with another well known Lexus place in Cary. Everyone here is very professional with great communication. On my last visit, in addition to addressing my check engine light, I asked them to replace engine and cabin air filters. I also asked them if they can find an extra screw for my engine air filter housing since I noticed that one screw was missing last year when I replaced the engine air filter myself. My car being of Japanese origin, it’s a pain to find the right metric screw :) When I went to pick up the car, Clint reminded me that the engine air filter was reusable and was barely dirty. Not only they didn’t replace it, they put 2 new matching screws on the engine air filter housing for me. It was a great reminder of honesty and extra service that bring me back to P&A Smith whenever I need some work done to keep my elderly car driving smooth.