INSURANCE QUESTIONS


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 918-832-7740 or make an appointment online!


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I've been going to alternative automotive for 20 years. They have great service and operate with integrity!

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Not a better mechanic anywhere. Period. And the best thing of all, Mike is as honest as a summer day is long. He will NEVER sell you a service or part that your vehicle genuinely doesn't need. He will even offer a cheaper idea for you if you're in a pinch to help. I own 5 cars and no one but Mike touches them. -And, I have sent many people to him and everyone of them will say the same as me.

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Mike and his staff are top notch. They are professional, communicate the status of your vehicle, and are honest. I will be bringing my Mazda back to Mike and his crew from now on.

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