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 303-766-9227 or make an appointment online!what our customers say
I traveled from Las Vegas to Aurora Colorado and coming over the Pass my ABS lights came on and I was concerned so I researched places to take my car to be checked out and would take my extended warranty. Craig was very kind when I called so i decided to go there 1. because of his kindness and 2. His reviews. While having my car at the shop they found my alternator was bad . he called the warranty company and stayed on the line until he got a live person on the line . His staff was amazing and had my car ready for me in just a couple hours . They car runs great and it is ready to head back home without any worries. I highly recommend Smoky Hill Auto Service Center. Thank you Craig and your staff for helping me and getting my car safe for the road trip home.
Great people great prices. I brought my car in cause my head light was out and didn't have the piece to get the bulb out and they did it for free then I went to get my brakes done and got a great price. Everything is straight forward and they will take care of you. I will continue to bring my car here. Thank you guys
