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
Huds Auto went above and beyond helping us with my stepson's truck. From the moment we bought the truck, they were professional, honest, and kept us informed throughout the entire process. They did a phenomenal job, and you can tell they truly care about their customers and the quality of their work. It's hard to find an auto shop you can genuinely trust, but Huds Auto has definitely earned ours. We highly recommend them to anyone looking for reliable, knowledgeable, and friendly service. Thank you for taking such great care of us!
Lubbock, TX
Took my vehicle in to get repaired and have other issues resolved. Aaron and Robert were quick to get my truck scheduled and repaired. Every time I have had an issue Aaron and his team were quick to see it taken care of. I’ve taken many vehicles to them in the past and have always been satisfied with their work and their pricing. If you need a shop, this is the place to go!!! 👍
Lubbock, TX
My company had a vehicle worked on at Hud's and the experience was great! Robert went right to work when i called about a quote and then followed it up with timely and quality service once the vehicle was dropped. always kept me updated and made sure my needs were met. will definitely send my friends and family your way and will be using you in the future.
Took my vehicle as a walk in and had it done very quickly. My vehicle is now running better than ever at half the price the other places would charge me!
