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 701-223-9728 or make an appointment online!
Bo Wright, 05/14/2021
In Bismarck on a Monday in April 2021 returning home to western ND. Our van began to sputter as we prepared to leave Sam's Club. I immediately began to look for an auto repair shop close to Sam's. Auto Therapy reviews were great and close to Sam's, I called Tim the owner, he said bring it in and I will take a look at it. This guy was amazing! He knew we were stranded - put the car on the lift - diagnosed the problem and proceeded to look for parts. We had to go home, so we had to rent a car to get home. Not only did he get the van scheduled to be fixed asap, he said he had to go to Williston on Saturday and would drive the car back to us in Watford. This guy is the real deal - knowledgeable, honest and a has a great shop and staff. I have never in my long life had such an amazing experience with any business. There are not enough words to express my gratitude Tim Geloff with Auto Therapy!