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 302-653-3684 or make an appointment online!


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Awesome communication and service. We dropped off the 95 Jeep YJ and they diagnosed the potential problem why it wouldn´t pass inspection. I was given a detailed assessment and quote. Once the work was completed it didn´t require all the work quoted and the price was less. Jeep passed inspection and is finally tagged again! Thank you for all your help!

, 05/15/2023

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, 05/03/2023

Gears Garage is phenomenal. Dealing with Kim, Mike, or Kyle from the beginning. They let me know everything that is wrong with my vehicle and what I should get fixed and what could wait. They are top notch and are honest/truthful from the beginning. 10/10 recommend taking your vehicle there!

, 05/15/2023

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