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 303-278-8766 or make an appointment online!
I have been using Andersen's for a very long time. They are the most honest, capable, knowledgeable, and friendly family of people that I have ever met in or out of the auto repair industry. I trust them implicitly. I know they will always tell me the truth and give me a reasonable estimate with no surprise charges. If you have a foreign car, I have a Volvo, I would recommend Andersen's over anyone else. I would give them more stars if I could. And Willow the dog will gladly greet you and let you pet her and scratch her ears!
PJ Hasselbach, 08/26/2022
I've used Andersen's for years on several makes of cars that they service. They are an honest family owned business that I highly recommend to my friends and family.
Tom McMillen, 08/19/2022
I?ve driven past this building for over 20 years and if I had started taking my Volvo here back then, I could probably buy a new car with the money I would have saved. Not sure I?ve ever had a repair cost me less than $500.
Shawn Satterfield, 08/09/2022