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 713-729-1313 or make an appointment online!
Know Your Rights
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I have 2 Mini Coopers, a Cooper S hardtop and a Countryman S all4, Little Shop of Motors is the only shop I trust to take my cars to. I had a couple of bad experiences with other shops in the past, not anymore, Edward and his crew are very knowledgeable, costumer service is A+. 100% recommend.
Best BMW care in town, minus the dealer prices, Ed and the gang are the most professional mechanic crew in town.
Over the last 10 years I have taken all 5 of my cars to this shop and have always received an honest answer about the condition of my vehicle, the options including cost to repair, and estimated time of completion. I trust the owner to help me with understand my extended warranty coverage and how it can help to absorb some cost. They even wash the cars for me if I request.
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