785-357-7770 | 4000 SW Topeka Blvd Topeka, KS 66609
Auto Insurance FAQs
Auto Insurance FAQs
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.
Who do I call to file a claim?
Reach out to your agent or insurance provider. If someone else is liable for your damages, it's essential to also get in touch with their insurance agent or company. The assigned adjuster will then guide you on any further necessary actions.
What does my policy require me to do after an accident?
Inform your insurance provider about the accident's details, including the time, location, and circumstances of the incident. Provide the names and addresses of individuals injured in the accident as well as any potential witnesses. Collaborate fully with the investigation process. Lastly, acquire or grant authorization for your insurance company to secure necessary documents, medical records, and relevant information.
Want more information on your rights? To make an appointment, call us at 785-357-7770 or make an appointment online!Testimonials
Taylor Phelps , 03/10/2021
Our Buick Enclave all of a sudden would not start, we were able to get it started luckily, we dropped it off with them on a whim, they diagnosed the issue for us in a great amount of time, A++. Then the replacement of diagnosed part ( Starter ) was also done quick, we had minimal down time with our vehicle, this is also our primary family vehicle as we are a family of six and our other car is a small Ford Focus, lol. But overall great service and time, would recommend, and I have recommended. Oh! Let's not forget price. The cost of diagnostic and parts and labor, was definitely under expected price. I can usually do most maintenance on my vehicles, however electrical systems are the hardest to diagnose and I did think it was the starter, but didn't want to chase gremlins, and with proximity to the transmission and lack of equipment to lift vehicle, this would have been a headache for me, and was definitely worth the price. I won't give the price. You ask why? Well, you cannot compare, diagnostic time, work time, labor intensity all changes with each vehicle, which does include the same model and year. Our vehicle had no code, yours could, sometimes even with codes, the problem seen may not really be the problem, there could be ten things causing one thing to fail when it's actually fine. So, bottom line, if you have the time and money, sure, do it yourself. However if your like most people (like me) the benefit of time and accuracy definitely make the service here worth more than I paid. I may be returning for front suspension work, I could do it, but I'd rather spend my one day off with family. Also my history with vehicles is definitely not novice, I've worked on my father's drag car, I've done most maintenance on my own vehicles and have done oil, brakes, alternator, rebuilt carbs on older cars, replaced crankshaft bearings, harmonic balance. Rebuilt the top end of my 83 AMC eagle station wagon, bored my father's 82 power ram 50, replaced most of chassis on 67 cougar (frame has rust now -_-, ) so I'm no slump when it comes to mechanics, I just value family time!