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 856-764-3633 or make an appointment online!
Once again Marty's Auto Repair saved the day! My Ford Explorer stalled on my way to the shore Thursday night. Marty happened to be in the office on the Holiday of July 4th when I called. He told me to bring my truck right in and he would check it out. He fixed my vehicle and I was able to get to the shore for my birthday celebration. A few days later I received a call from Rachel, one of his awesome employees, just to check on me and see how my vehicle was running. At Marty's request, I brought the truck back in so he could re-check the sensor and all is still good. Not only is Marty an awesome mechanic he is an honest business man. I truly believe he services my vehicle as he would his own family and his customer's safety and satisfaction are his priority. Thanks for always looking out & taking care of your customers Marty's Auto Repair & staff - you guys rock!!