757-488-1964 | 4650 Portsmouth Blvd Portsmouth, VA 23701
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 757-488-1964 or make an appointment online!
Testimonials
Larry W.
I was looking for a reputable repair shop to take my car for service. My neighbors recommended John's. I first took my car for state inspection and oil/filter change. I was in and out in less than an hour. On another occasion my son thought he needed a battery for his truck. We stopped in at John's as he was going to lunch, but he took the truck in and replaced the battery. My wife took her car to several local shops including some dealerships due to a loud roar in the front. She was told she needed a hub bearing. The price of repair ranged from 600-800 dollars and about 4hrs to perform the repairs. I took her car to John's who was booked full all week. I explained my wife had to go out of town for Christmas and was afraid to drive it with a bad bearing. I was told to bring it in tomorrow morning. He did the work for less than all the other shops and completed the work in about two hours. Again, this shows a business that cares about customer satisfaction. Needless to say, John's Service Center has won over my entire family and we have found a place that appreciates our business. I highly recommend this company to anyone looking for a decent place to service your vehicle needs.