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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 215-547-3929 or make an appointment online!


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OUR REVIEWS

 (42 Reviews)
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Howard and his team at H&H Auto Detailing exceeded my expectations. Being a disabled veteran and a full-time caregiver for my 4-year-old autistic son, I find it challenging to handle even the simplest tasks. He promptly picked up and dropped off my car at my house without any hesitation. I booked an appointment for a minor interior cleaning for my van, including the removal of crayon wedged into the backseat track. The inside of the car looked as good as the day I bought it. Howard kept me informed throughout the process, and I regret not capturing an image of the car's initial condition because it was completely transformed when he returned it to my house. I'm relocating over 1300 miles away, and he ensured that my car was prepared for the journey. We had a brief conversation before he departed, and he is truly a compassionate and extraordinary individual. If I could rate this company a 10/10, I would.

, 06/10/2024

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