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!
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!
We used P&A for all our automotive services when we had a Volvo, Mazda, and a VW. Over time those cars were replaced by three Toyotas (2004 Matrix, 2008 Tundra, 2016 Prius) and it became more convenient (if somewhat more expensive) to take them all to the nearer Toyota dealer. When I took the Matrix to the dealership for its NC state inspection I was surprised to hear that it failed due to "leaking steering pump return line", and that replacing all three lines (along with a long-known leaking valve cover gasket) would amount to a major fraction of the worth of the car. The dealership wouldn't clear the block on the state inspection until it was repaired. I took it to P&A and not only did they diagnose that the problem was really only the leaking valve cover gasket (which took some effort to discern) but P&A's estimate to replace the gasket was half that of the dealership. Plus, they worked it into the next day's schedule. Clint was very accommodating! As a result, we will be taking the Matrix and the Tundra to P&A from now on. (The Prius still has a little warranty left.) Very highly recommended!
Honest, quality repairs at a good price.