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 203-626-9741 or make an appointment online!what our customers say
My car was in the shop and I borrowed my mother's. It died on the highway and Geico was able to get me a tow much sooner than AAA. The driver arrived exactly when he told me he would, and was a very capable, nice, pleasant young man. Cody got into the car, which due to the mechanical issue, locked with the keys inside it and was very empathetic when I explained my issue of PTSD on highways, the result of an accident. He drove carefully, was a good conversationalist and was careful to check my taste in music. I would absolutely recommend this company. They were quick, efficient and have an excellent staff. Thank you!
I had a really good experience, I would highly recommend anyone to use this company. My car was towed with great care, my lower ball joint were broken and I was concerned that they wouldn't be able to put the car on the tow truck. But Luis reassured me that it will be ok and was very polite. He treated my car like it was his.
I've been using Darrell's for 5+ years now. I wish I found them sooner! They're the best Auto Repair shop I've ever dealt with. They're reliable, trustworthy, VERY knowledgeable, and the entire crew are just "good people". They care about their customers and take an extreme amount of pride in what they do. Whether it's routine maintenance, or issues with your vehicle, you can absolutely TRUST they will do a great job. I have 3 children, with a couple older vehicles in the mix and they always make sure they're safe and road ready. For my newer vehicle, I'd been using a dealer for quite some time. After first going to Darrell's through a neighbor's recommendation, I found out the dealer wasn't providing nearly the same level of service that Darrell's does. They go above and beyond to make sure your vehicle is in the best shape possible. Thanks to Darrell, Chris, Leon, Lori and the entire crew!
I want to give a shout-out to Brian who towed my car last night during torrential rain. He was very kind and somehow got me in and out of the tow truck safely. I am almost 72, so this was not an easy feat. He also went beyond the call of duty and put my garbage bin and recyclable bin out near the road for pickup today. I can't thank him enough. And thank you for your service in the Navy.
