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.
Contact Us Today!
Got questions? We've got answers! Drop us a line, give us a call, or even stop by. Our team is eager to help you with any auto repair needs you have. Let's get you back on the road safely and swiftly!
What Our Customers Are Saying
We have been back in Lubbock just over 2 years. When we asked for a good reputable shop, Huds came highly recommended! Since we have been back, we have had my Jeep in a few times now. (I know Just Empty Every Pocket) From the first hello when you call to schedule-to the time of pick up- their customer service has been top notch and will keep us coming back! Thank you to every team member at Huds for your warm welcomes, friendly smiles, honesty, and helping me NOT empty every pocket!
Domestic Cars & Trucks, near Lubbock, TX
Honest and fair. That's all you can ask for in an auto shop these days. And it's hard to find someone you can trust. Well, Hud's has proven themselves as a trustworthy business to me. They don't try to upsale or mislead you, and their prices are always fair. As an electrician, I know labor costs money. They do a good job labor wise and typically pretty quick too. They also stand by their warranty for any type of work done. They have taken care of my daughters car multiple times (it's an old car) and have always done a good job. I would definitely recommend Hud's for any type of auto work.
Car & Truck Care, near Lubbock, TX
Great service, got me fixed up quick
Car & Truck Care, near Lubbock, TX
Have taken my vehicle here a few times & have never been disappointed in the service & professionalism they provided. Would definitely recommend them!
Car & Truck Care, near Lubbock, TX
