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 540-710-5400 or make an appointment online!Partners
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We have established longterm and stable partnerships with various clients thanks to our excellence in solving their automotive needs!
Trustworthy, Courteous, Professional... Issue: Clunking noise, under front passenger side when driving Affordable Automotive completely surpassed my expectations when I took my car to them, after another repair shop quoted that I needed a new CV Axle and that the total cost would be $1700 to replace. I took it to AA on a whim and received a prompt, polite call that stated the issue was only a loose caliper. They stated they tightened and that the cost was zero bc all they had to do was to tighten the bolts. I did ask them to do another service while it was there and paid for that of course. They did a 40+ inspection on my car and provided me a report of what else may need service in the future. I am now 6+ weeks from that service and the car is still quiet and driving well. Unlike MOST service stations, AA is trusting and the cost of labor is budget friendly and the staff are extremely knowledgeable and polite. If you have any issues with your automobile, don't hesitate to take it to Affordable Automotive, they will have you back on the road quickly while easy on your pockets! I appreciate your honesty and you now have a customer for life!
I bought my tires from them a year ago and suddenly I had a flat from a screw. I was distraught and called to see if they could help, and they were amazing! They couldn't patch it but they got my donut on and ordered a new tire. The next day I came straight from work and my car is highway ready again! And no cost to be because my tires were covered by road Hazard protection!
Tires, near Fredericksburg, VA