Auto Insurance FAQs
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 972-647-0314 or make an appointment online!Savings & Specials
Discount does not apply to Pre Purchase Inspections or Towing
Must present Ad at time appointment is made to get discount
Reviews
Patrick Price, 04/27/2026
I was in negotiations to purchase a classic Mercedes Benz and after speaking with the owners of EuropAsian Auto Pros (Nathan and Claudia), I was convinced this was where I needed to have the pre-purchase inspection done. And I am glad I did: The seller had assured me the car had no issues "nothing broken, seats not ripped" and that "everything was functioning as it should." As soon as the car arrived, Nathan did a detailed inspection of the car's exterior and interior and called me immediately to fill me in on what he discovered. The car would easily need repairs totaling at least $10k, just to fix the cosmetic issues, a new set of tires and repair of the wheels, which had serious issues (two were out of round and all had the finish peeling off). Upon further inspection of the car it was determined the alignment had serious issues as well. Under the hood, one of the valve covers had a moderate leak (I had asked the seller if there were any leaks, specifically the valve covers, rear main seal and coolant system and he said "no leaks anywhere"). Long story short - Nathan gave me a thorough assessment of the car's condition, which was 180 degrees from what the seller told me. Based on the report, I decided against purchasing the car. It turned out to be a "barn find" restoration project instead of the driver it was represented as. Thank you Nathan and Claudia for the excellent communication and service. I highly recommend EuropAsian Auto Pros if you want to work with experienced people who will shoot straight and give you peace of mind.
