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 207-942-4554 or make an appointment online!
Cyndi H., 08/30/2021
Two friends referred me to Harry Heitin Auto Repair for air conditioning service. I had an appointment with a Ford dealer, before speaking with Scott. Diagnostics alone, at the dealership, was going to be $150. The service manager did not know when the actual repair would be done. Scott got my vehicle in a few days after I called. I dropped my van off at 5 pm, the night before. At 10am, the next morning, my van was ready. Scott said he had seen the problem before and it was a relatively easy fix. The cost didn't even come close to what the dealer was going to charge me for diagnostics. Many thanks to Scott and his crew for their friendly, professional and reasonably priced service.