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 336-993-5506 or make an appointment online!
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Reviews
Nichol Perry, 02/21/2026
Before I called I was aggravated with the dealership I felt that after purchasing and always dealing with them regarding my vehicle until that day they were always wonderful. But on that day I had to bring my car 3 times for them to figure out why I was receiving this particular error on the dash. Once they were able to retrieve the meaning I was told that it was a steering sensor and I needed a new steering column in order to replace the sensor. So of course I told them to go ahead and fix it please. The Blessing part about this is that they could not get the steering column part because they stopped making it. I was so annoyed because they didn't even suggest to fix the sensor they didn't offer any resolution I was just sent on my way. Yes I did report this to Ford. I was completely confused because I looked up how to replace a sensor also adding steering column replacement. I was informed that unless there was something wrong with the steering column there's no reason to replace the steering column. So I dropped to my knees and prayed and asked my Heavenly Father for assistance. I looked up all kinds of auto repair shops. Praying for assistance and believe it or not as clear as day The Lord said Carmines. Honestly I kelp looking because I never heard of them and I was just so worried about my car and the cost. So I went ahead and called spoke with Macy. She told me to bring it in and they would take a look. When I did she asked me questions that made a lot of sense. Was the steering wheel locking up was it hard to turn legitimately making sense. All no answers. They re ran a diagnostic on my car. Yes it was the sensor no the column was fine. And if the column was damaged they would help me get it fixed. Macy was absolutely accommodating and really helpful at easing my anxiety. I Thank The Lord that I was lead to them for help. I will continue to come to them for my automobile repair needs.
