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.
Want more information on your rights? To make an appointment, call us at 970-242-1691 or make an appointment online!
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
Driving through Grand Junction, on a long road trip, our car developed a brake problem. Brian Burford, the owner of the shop, met us personally, diagnosed the problem immediately, ordered the part and had it delivered to the shop, and installed it right away. He had us back on the road in the shortest possible time, and charged a very reasonable fee. I can't recommend this shop highly enough. Thanks Brian for your outstanding customer service!
Grand Junction, CO
We stopped by this fantastic repair shop unexpectedly during our cross-country trip due to a car issue. The team there went above and beyond to diagnose the problem, which turned out to be a manufacturer's defect. We were truly impressed by their honesty, kindness, and professionalism. This is exactly the kind of reliable service I wish we had back home. A heartfelt thank you to the entire staff for making us feel so well taken care of. You really helped put our minds at ease!
Grand Junction, CO
Had a wonderful experience at Horizon Automotive. Sarah was very helpful and will definitely bring our vehicles there again.
Grand Junction, CO
I highly recommend Zarlingos Automotive for all your auto care needs! The team here is incredibly knowledgeable, professional, and genuinely cares about their customers. From routine maintenance to more complex repairs, they handle everything with precision and efficiency.
Grand Junction, CO
