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 605-938-5559 or make an appointment online!
J Stee, 05/25/2023
I must've gotten bad fuel and out of nowhere at 4:00am about 5 hours from home with 4 hours till our destination my truck went in limp mode due to clogged fuel filters. Eventually the truck wouldn't even stay running and it was about -8° actual temp and it was extremely windy. I called Route 15 Body Works for a tow hoping to just get towed somewhere we were able to get warm. The gentleman that showed up to tow us was very professional and efficient and worked with a sense of urgency considering the extremely cold conditions. I couldn't have broken down in a better location since I was a short distance from the Route 15 shop where my truck was towed. After arriving at their shop all the employees and owner made us and the repairs to my truck priority putting all other projects on hold. They were able to acquire all the parts necessary to repair my truck and have my wife and I back on the road in a very short period of time. They were very welcoming and hospitable and our experience couldn't have been any better. They had a rental car that they offered for us to use so we didn't have to wait for the repairs and could still make it to my kids birthday at a reasonable time as well which ended up not being necessary since they operated so quickly. Before we left they gave us a couple of shirts one for my son and one for my daughter for their birthdays. (Twins) Which I'm pretty sure my son told me is one of his favorite shirts. The truck ran well and I haven't had any issues since that day. We also received a text checking in with us to make sure we made it to our destination and home and wishing the twins a happy birthday! They turned a miserable situation into a great experience we will never forget where we met good honest people who were there to help us any way they could. Thanks Route 15 Body Works!