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 276-666-2167 or make an appointment online!Partners
What our clients are saying about us
We have established longterm and stable partnerships with various clients thanks to our excellence in solving their automotive needs!
Monday morning and my sons truck was dead in the driveway. He needed to return to NC that day. Jeff came to the house towed the truck in and 30 minutes later my son was on the road. We did not have an appointment, but Jeff helped us out and I will be forever grateful. Super service. Thanks Jeff!
I had the timing belt replaced on my 2009 Subaru Outback in late February at Pro Automotive. On 4/5/18, my car broke down on the highway as I was leaving Roanoke. It was towed to the closest Subaru dealer in Roanoke, where they determined that the timing belt had failed and severely damaged the engine. I contacted Pro Automotive the next day. They not only covered the cost of towing my Subaru in for them to inspect, but repaired my car at no charge to me when it was determined that the failure was due to a defective timing belt tensioner bolt. They also paid for my rental car while I was waiting to get my car back. It's back up and running like nothing ever happened. Fantastic service. I highly recommend Pro Automotive, and will definitely take my car back when it needs service again. Thanks, guys! You were great!
