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 301-843-6551 or make an appointment online!
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Anon , 10/04/2021
Mr. Mcghee and staff were very cordial and responsive to all of my inquiries. I inquired about a MD State Inspection for my used SUV and he answered all of my questions respectfully and in detail. He mentioned that vehicles were serviced on a First come, First serve basis depending on how soon I could get my vehicle to their Waldorf location. The service men were cordial and asked if we had any further questions and provided us with a time frame for servicing our vehicle and called as stated when the SUV was ready. I was pleased with the service provided and the attentiveness to our vehicle needs; they even told a few jokes while we waited and provided information about what businesses were around that we could kill time in while we waited for our SUV to be inspected. Would refer this shop to others and may be back for other services necessary for the upkeep of my vehicle. Thank you.