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 432-227-2752 or make an appointment online!
Contact Us Today!
Got questions? We've got answers! Drop us a line, give us a call, or even stop by. Our team is eager to help you with any auto repair needs you have. Let's get you back on the road safely and swiftly!
What Our Customers Are Saying
Great to work with. Exceeded expectations in a hard situation with my SUV.
Excellent customer service. Professional work done in a timely manner. Fair priced and Not just diesels. If needed ill most definitely give em a call first.
Needed a 100k checkup on my Duramax. They got me in and out in reasonable time and at a fair price. Went over the entire truck and let me know what needed fixing. Gave me option to approve recommended repairs. Would definitely go back.
🛑(!!!! MUST READ!!!!)🛑 I've got to admit that i was skeptical only because the experience i had with the last diesel shop prior to Hale's but to be completely honest they took away any doubt i had when they ran it down to me on how they work (procedures). They just didn't talk about it , they stood by it, complete honesty and transparency, walked me through everything i needed done and only charged me for what i got done, no miscellaneous charges. Their system they give you access to on the final diagnostic of your vehicle before any approvals by you is outstanding/magnificent, easy to understand .HANDS DOWN if you want good work but not only good work honest individuals- transparency through the process these are your guys, from a shop managers perspective who deals with a lot of fleet and third parties i promise you, you will not regret your decision with them.🫡
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