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
The best service, hands-down. Customer care was top notch, and they got my Yukon fixed up quickly. They were so much easier to work with than the dealership.
Well, where to begin. We all work in WTX for a reason, and we put some pretty heavy wear and tear on our trucks. Some trust the 5 minute lube guys, or the truck house. End of the day I don't. I was pointed in Hale's direction and will NEVER search for another crew. They gave me my twice look over and showed me what they saw, was wrong, was possibly going to go wrong, what level of seriousness. They worked with me, we talked pros and cons. They made some valid points even if i didn't want to hear them, because i know they are right! Got my truck back, clean, Quality Checked, bottle of water the works. So excited to get the truck back. The next day, alas, i had a small problem. The owner reached out to me, the service writer reached out, mind you this was before the sun even came out. They got me lined up with a tow from my house to the shop. Put me front of the line. They made sure i had transportation to and from everything i needed. Offered a truck to use if i needed. Had my truck up and running 24hrs later. The truck back to full life, shining and sparkly and roaring strong. I CANNOT say anything bad, they took initiative, they were calm and cool not pressuring me into anything. Small hiccup that could have changed the course of my feelings (probably not though, because things happen) At the end of the day in WTX where Service Quality and Customer service are severely lacking in every industry. Jason, Jesse and that team went above and beyond! They got me hooked and i won't accept any service less than what they produced in West Texas! Thanks again Hale's Team
Midland, TX
Excellent service and pricing! Will definitely be back!
Lubbock, TX
Owner personally went to pick me up in his personal truck so I wouldn't have to waste money on a taxi . They diagnose your vehicle and give you the option to approve whatever repairs you want to get done. When I picked up my truck after repair was done I had a cold Gatorade and water in the center council. They vacuumed truck and cleaned all the windows. Very impressed with their service. I'll definitely go back..
Big Spring, TX
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