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!


Reviews

Professional Jeep service by knowledgeable mechanics. Always have confidence that my 95 YJ is in good hands at Gears Garage. I will continue to make this my shop of choice for jobs I can not do myself. So easy to make service appointments.

, 01/20/2023

Start to finish Kim and Mike were awesome! I'm so happy with everything and I look forward to going to Gears Garage in the future for my jeep needs:)

, 01/12/2023

Absolutely the best service from the most amazing two individuals I?ve ever met. They took care of my Jeep and went above and beyond my expectations. Definitely will be bringing all of my repair work to them.

, 01/09/2023

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