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 301-665-9180 or make an appointment online!Partners
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What our clients are saying about us
We have established longterm and stable partnerships with various clients thanks to our excellence in solving their automotive needs!
I could not have asked for a better experience. Eugene was transparent on everything that needed done and they had the car in and out quickly. Seems trivial but Eugene texting me since my cell service was bad. I hope to not have to have any car work done again soon but will definitely be back. Great experience!
I came to Accu Auto after having a bad experience with another shop. I don’t want any trouble, so I won’t name them. Let’s just call them a totally made up fictional name like “Vitzjerald” for the purpose of this review. I took my Silverado to Vitzgerald for an engine light, and they said it was a bad evap vent solenoid. So they replaced it for $433 parts and labor. I drove the truck home. The very next time I drove the truck, the engine light came on again. So I drove back to Vitzjerald and asked what was going on. They scanned the code and said it was something different, and would cost more to fix. That did not pass the sniff test with me. So I started looking for another shop and I chose Accu Auto because of the good reviews, even though I live about 15 miles away. They scanned the code and said it was the exact same problem as before - the evap vent solenoid. They replaced it. Only took a day to get my truck back. They showed me the part they took out. They indicated it is possibly not an OEM part. They also showed me that the bracket which comes with the part as part of an assembly when ordered new was rusted. So this indicates that Vitzjerald did one of three things: 1. They might have put in a junkyard part, 2. They ordered a non-OEM part that wasn’t a complete assembly and used my old bracket, or 3. They never actually replaced the part, just reset the code, and charged me as if they’d done the work. Thanks to Accu Auto, my truck runs great with no code. The repair was a little more, $499. But with the information I now have, I am going to go back to Vitzjerald and demand a refund. I will be taking all my vehicles to Accu Auto from now on.