INSURANCE QUESTIONS

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 303-278-8766 or make an appointment online!


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Simply the best in Denver.

, 05/04/2022

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The team at Andersen's is second to none with regards to knowledge and customer service. They were able to diagnose and repair a couple of issues for me that other specialty European shops couldn't solve on an BMW X5 Turbo Diesel. The team at Andersen's didn't throw parts at the problem but instead were able to diagnose and repair at a fraction of the cost and time of any other shop that I have worked with. Without a doubt, they know European vehicles better than most in the area and their service and care is TOP NOTCH! They've won my loyalty for all routine and specialty maintenance moving forward.

, 04/14/2022

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Super nice staff, in and out quickly. What more can you ask for?

, 04/14/2022

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