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
These people do amazing work, have amazing suggestions....Refuse to take shortcuts, and will do whatever it takes to make things the way they need to be. Jason kept me upto date every step of the. The techs and staff are smart, courteous and professional for sure....would recommend anyone to bring there projects to them....
Midland, TX
I was in a bind on a cross country road trip and this place really turned the tides. Had two shops back to back leave me with a mess and frustration to fix on a 2005 Chevy 3500 Duramax turbo replacement til I found this place. Gave them as much info as possible to help gain a full picture of the status of the vehicle, and handed them the keys. First, they stunned me with volunteering to pay for a ride to the car rental lot. Next, sent a very thorough vehicle report and delivered a clear phone call with recommendations, further diagnosing some things I had not been able to and helping me understand the process. Got everything back in short order and hit the road. I am genuinely happy with the services rendered here and am reporting on a healthy truck that has handled considerable miles and grades across the country since. The Hale's are educated professionals at running their business, and their mechanic at his trade here. I also received a follow-up phone call checking to make sure things were going well. Thanks again.
Midland, TX
This place is every diesle guys dream shop, fast and transparent customer service and they send you photos of what the tech is looking at so that their is NO misunderstanding of what they are looking at, I haven't had a single question or issue they haven't said they wouldn't try to fix or can't fix, I'll take every truck I have to them simply because of their skilled technicians and their openness to explanation and the tech was thorough looking through the truck, ex: I only brought the truck in for a fuel system install and to simply get it running and they found out my tanks were rusted on the inside, and also found out while the technician was doing his multiple check he found my intake for my turbo was cracked open and my turbo had bent blades 10/10 will come back again
Great to work with. Exceeded expectations in a hard situation with my SUV.
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