Know Your Rights
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.
Want more information on your rights? To make an appointment, call us at 806-355-8929 or make an appointment online!
Know Your Rights
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Reviews and comments from our satisfied customers
Top Gun Auto Service is one of the only honest automotive shops left. Dennis is always so helpful and full of advice to get you more bang for your buck. I hold their opinion to the highest regard. They have helped many of us at Lovett Chiropractic with oil changes, inspections, and even more serious issues. They are clean, honest, and amazing people who truly care about your safety. Thank you, Top Gun for consistently providing quick, professional service, at amazing prices!
Great place good prices does a good job
Top notch service. The people are great. I will do business with them again.
The staff did a wonderful job on replacing two studs on my tire.
Bill and the team are top notch. Personalized and honest service. Had been needing to get some rather serious work done on my Lincolns suspension, they did a great job for a fair price. Would highly recommend, and will definitely use them for all future automotive needs.
Had a minor mishap with car while in town but they got me fixed up in great shape. Friendly service and very knowledgeable.