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!Partners
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!
I've trusted Hans Imports on Post Road in North Kingstown with my vehicles for multiple repairs & services and I can't recommend them highly enough. Dave and Omar are proof that old-school, honest, exceptional customer service still exists. Over the years they've taken care of everything from a broken turbo strap on my 2013 VW Eos and my 90,000-mile service to diagnosing and replacing a failed fuel pump. There was even another repair recently that I can't remember....that's how consistently they've been my first call whenever something comes up. Every time, the work has been done right, the communication has been excellent, and I've never felt like I was being sold repairs I didn't need. That's tough to find these days. As a full-time wedding photographer, my vehicle isn't just transportation, it's my livelihood. Summer is my busiest season, and being without a reliable vehicle simply isn't an option. Knowing I can count on Dave and Omar to get me back on the road quickly and correctly gives me tremendous peace of mind. They REALLY pulled me out of a major jam last week and I'm eternally grateful. I don't think any other shop in Rhode Island would have done what they did for me! If you're looking for knowledgeable mechanics who genuinely care about their customers and stand behind their work, Hans Imports is the place to go. Honest, dependable, and incredibly skilled. The kind of service that's becoming harder and harder to find. Bonus: there's always a lot of fun, laughter, and a cute dog that likes to be pet at the shop!
The best part of owning an aging British car was knowing Omar & Dave would help in a pinch. They are truly passionate about cars and helping people and the reports they produce after any service are repair are like university dissertations. Their passion for cars shows through, and they have never failed to be thorough and honest with us - including letting us know when it was time to stop throwing good money after bad and retire our car. We are very grateful to them and couldn't recommend Hans Imports enough.