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 401-295-7785 or make an appointment online!
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!
Very impressed with Han's Imports. Did a nice job with maintenance on my BMW and my wife's Benz. I also appreciate the thorough check of the rest of the car as part of their 1st look at the cars. I'll be back.
Anyone who dumps on this auto repair shop should literally start driving a horse and carriage. What people don't understand is that when you bring in older import vehicles from the north east United States they are prone to rust deterioration do to climatic factors. As a result, many parts are harder to replace, many need to be fabricated and even more common is the rarity of older European models (which drives the price of parts up as well as renders low availability). I've been an automotive repair technician (ASE certification, various big name certifications and even fabricated parts whilst working in small shops) for quite some time. As well, I've even taught Automotive Repair as a core coarse at the secondary level. All of that said, I'm quite certain my opinion holds merit. Thus, I can honestly say that Omar is an absolute genius. I run a small shop in a rural area and seek advice from the owner of Hans Imports (Omar). This goes beyond the scope of older European models. I often probe Omar for repair strategies, knowledge and diagnostic information on newer Imports. For what its worth, you're in good hands with Hans Imports in North Kingstown. Any of the negative cockamamie complaints are clearly the result of someone thinking they are above the knowledge, experience as well as expertise of the working man!