INSURANCE QUESTIONS


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 704-821-8045 or make an appointment online!


Reviews

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I am new to the area and saw A&B. I read the reviews and decided to try them. Right from the start, Rachel was very pleasant and helpful on the phone. The service preformed on my vehicle was new brakes, she quoted a price and after the new brakes were installed, that was the price I paid No hidden costs. So I left my truck with them to have them look at it. I highly recommend this business for their own honesty and quality of work. 5 stars.

, 10/05/2022

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I'm always happy with the professionalism and quality of work. The staff are honest, friendly, and thorough. I have trusted them with several repairs over the years and will definitely be back.

, 09/01/2022

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I have been to A&B few times now. Rachel is very professional and listens to what we say and they provide very thorough repair and service. Highly recommend them for your auto service and state inspections.

, 06/01/2022

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