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 865-922-7111 or make an appointment online!
what our customers say
I really appreciate these guys! After moving from out of state and having a solid mechanic you have trusted for over 14 years, it's like having to find a new doctor too! I am so thankful I found these guys! They have been so helpful and honest every single time! When I first moved here, I worked for UPS using my vehicle out of Oliver Springs. Let's just say that was not good. I've had issues ever since. Going up and down mountains was hard on my vehicle, and unfortunately, my light came on. I knew it was the transmission. I took it in, and they went thru it and told me they would check out everything they could and get back to me. Sadly, it was my transmission. They were super kind, and we decided it would be better to just get another vehicle, and they agreed. I really appreciate their honesty and hard work! Like I told them when I left...I will be back with the new vehicle because I know I found my mechanics for life here in Tennessee!
Thank you B&M Automotive! They are Honest, Experienced, and affordable! The first place that I took it to said that I needed another motor and boy were they wrong. I'm glad that I found B&M and they were quick to let me know that I did not need another motor. They knew exactly what it was and had it fixed in no time. I highly recommend them!
