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 718 821-1640 or make an appointment online!
what our customers say
Car became disabled out in Rockaway so Geico Roadside Assistance picked me up. They recommended Dependable which thankfully was the perfect call. They took me in and got right to work on emergency repairs. Super convenient for anyone living in or near Ridgewood and the staff was super friendly and consistent with repair updates. Looking forward to coming back, hopefully next time with an appointment and not a breakdown!
I went to Dependable to have my alternator replaced after another mechanic had given me a cheap part three months before. Jose and his team were super fast with the job. They kept me informed and updated about the car, and worked with me regarding the manufacturer warranty for the alternator. The price was also super reasonable. I would definitely work with them again.
