Auto Insurance FAQs
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 435-835-4869 or make an appointment online!Reviews
Got ready for a trip to Phoenix and saw that I had a flat tire. Drove to RyGuys and they were able to get me in right away. They walked me through the nail in the tire and what they needed to do to fix it. I am beyond impressed with these guys. Making them my go to for auto issues. Weston A. |
Very fast and professional! Ryan was knowledgeable and super friendly throughout my whole experience there! He had me in and out within a hour and a half. I would highly recommend giving them a visit if you have any problems with your vehicle. Jaron E. |
Terrific experience, and very fair pricing! I am very happy with the work that Ryguys has done for me. They are very transparent, knowledgeable, reasonably priced, and have that small town super friendly and personable service that will keep me coming back. Thanks for all your efforts to make the experience a good one.... It's not always the case with auto repair shops, but you guys are top-notch. Chris W. |