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 972-241-1901 or make an appointment online!Partners
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’ve trusted Dennis Road Automotive for many years, though it’s been a while since my last visit, mainly because they’re not open on weekends. I’ve always appreciated their straightforward service, and I still miss Riley, who brought a great personal touch to the experience. On my most recent visit, I was charged $374 for a new battery for a Lexus ES350. I’m not sure how that compares in today’s economy, but it gave me the same feeling you get when dining out these days, quality isn’t necessarily better, yet the prices seem to jump significantly. The work was completed, and the team was professional, but the cost left me wondering if the value aligns with what it used to be. I still want to support businesses that have served the community for so long, and I hope they continue to provide honest, dependable service at a price that feels fair in the current market.
WONDERFUL people to deal with. They went above and beyond to help me get my car repaired. Adam's kindness and patience was a profound example of God's grace and goodness. My car drives like new again and I am so pleased. I highly recommend Dennis Road Automotive to anyone looking for an honest and reliable mechanic service and for a company that truly cares about their customers. Thank you so very much for all you did to help me, Adam. You're the BEST!