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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 615-883-0606 or make an appointment online!

Contact Us Today!

Got questions? We've got answers! Drop us a line, give us a call, or even stop by. Our team is eager to help you with any auto repair needs you have. Let's get you back on the road safely and swiftly!

What Our Customers Are Saying

Excellent. Bill, Matthew, Chris, Dustin & all were professional, polite, fast, knowlegeable, & friendly. They were NOT at all condescending to women as some can be. Fair price for excellent work. Gave ride to & from due to outrageouos taxi costs, unreliable & weird Ubers, friends busy during working hours & etc.

Nashville, TN

, 08/24/2021

I have been doing business with Packard for several years now and they are the best around!! It's an awesome feeling to be female and know you have a mechanic that is competent, trustworthy, dependable and best of all reasonable!! I have absolutely no hesitation in recommending these guys to anyone who needs car repair or maintenance. They also provide full service gas and that is certainly thing of the past!! Definitely 5++ star service in my book!! Thanks so much for taking such good care of your customers!!

Undercar Services, near Nashville, 44

, 07/17/2020

Bill and the Team were incredible!!! My family and I were heading he Florida on Spring Break and had car trouble at midnight on Thursday. I called Friday at 7:30am, explained my predicament, and Bill took me right in...our van was fixed and we were back on the road before noon. The entire experience exceeded any and all expectations!!! The Team's professionalism and concern for getting my vacation back on track was exemplary! It was the best experience I have ever had with any car trouble...I wish Packard's was in Michigan!!! Fair, honest, and dedicated to service....a great recipe!

Awesome service! These guys are honest, straight forward and very competitively priced. I have used them for many years and will continue doing so as maintenance and repairs are needed.

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