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
Honesty and integrity. Actually didn’t have work done because they analyzed my vehicle and realized it was a tire problem. Didn’t even charge me. Because they were honest and told me the problem without charging, I will be back with all my vehicles.
Lubbock, TX
I've been going to Hud's for several years and they have worked on multiple cars of mine. I've been having persistent issues with my current vehicle, with the AC, and the check engine light kept coming on. It was taken somewhere else (not by me) multiple times and had a few very expensive bandaids slapped on it. Recently, the light came back on, so I took the car to Huds. Their prices are very reasonable and they're kind people who will work with you. As a single woman, this is incredibly important to me. I drove off, and the next day the light came back on so I called Huds. They took the car back in and replaced another part, no extra charge. I appreciate their hard work, honesty, and integrity. Huds actually fixes the problem, not the symptoms.
Lubbock, TX
Excellent and friendly service! Said it would be 2-3 days but we got it back next day! We were met with a smile and listened to. They fixed an issue that was caused by another shop and changed the oil for us because they noticed it needed it. Car sounds great!
Lubbock, TX
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
