Auto Insurance FAQs
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 603-645-6551 or make an appointment online!
Contact Us Today!
Got questions? We've got answers! Drop us a line, give us a call, or even stop by. Our team is eager to help you with any auto repair needs you have. Let's get you back on the road safely and swiftly!
What Our Customers Are Saying
We have been taking our vehicles to D&L Auto for decades now. I highly recommend this team of mechanics for all repair issues or just regular maintenance. They will quickly fix your car- properly, and within the given time frame. They are honest people and there are never any surprises. I don't like it when I need them, but I'm glad they're around when I do.
Manchester, NH
I trust these guys with my life! I will go to no one else! They are honest, reliable, and get the job done with my safety in mind. I can't ask for any more from them.
Manchester, NH
Took my car in because it was making a noise that said, Hey, something's not right but I'm not telling you what. I rolled in on a Monday, explained the situation, and they got me on the schedule for the very next day zero drama, zero nonsense. Turns out it was the front driver's side wheel bearing, which, I now know, is kind of important. The guys working there are twins identical twins so I'm not sure which one I've been chatting with, but both are great so it really doesn't matter. Quick, honest, straight to the point. None of that you might also need a flux capacitor energy. Dropped the car off and by 11am it was DONE. Boom. When I came to pick it up, one of the twins (again, mystery twin) had already started the car and cranked the AC so it wasn't a sweat lodge on wheels when I got in. 10/10 thoughtful move. Highly recommend. I'll definitely be back (but hopefully not too soon ).
Manchester, NH
Went in today for an inspection. Needed new rear brakes to pass (which was not a big suprise to me). Asked if they would be able to do it today. They said yes and it would be about 2 hours. Asked how long do you think it will take so i can let my boss know because I work from home. The owner offered to let me borrow his personal truck to go home, so I could work and come back when it was finished. Great customer service and a fair price. Will definitely be returning for future needs.
Manchester, NH
