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 703-675-7016 or make an appointment online!
Ronald Barstow, 10/01/2020
Lt is a great mechanic and trouble shooter, very easy to work with and up front with his estimates and sticks to it. I have a 2004 Audi A4 Avant 190,000 miles, a great car but at its age it needs some maintenance repairs. Over the last two years a lot of items needed attention. New clutch, AC, Alternator and Brakes. If I had not met LT I would not be driving my favorite car today. The first time I met LT I had an intermittent starting problem. LT has the latest diagnostic equipment and knows how to read it. In less than 5 minutes he solved the problem and replaced 2 sensors. While he was installing the sensors he connected a severed wire to my oil sensor at no charge. If you have an older Import you have got to meet LT. It is a little confusing finding the entrance since it is inside of the Public auto action lot. Just go into the showroom and ask for Lt.