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 409-755-7220 or make an appointment online!
Know Your Rights
I really recommend CHAD'S AUTOMOTIVE. He is professional, honest, and I applaud their expertise. The staff is both friendly and professional.
I've had my car in the shop twice, once for an AC problem and again for valve cover leak. They were very helpful friendly and the price was very reasonable.
Got my truck in and out quickly and fair pricing.
Done business with Chad's for many years. I've also recommended him many times and never received a bad report. This is a remarkable thing in the world of automotive repair. A solid shop with a Master Technician named Cody Matthews.
We have used Chad's twice in the last few weeks. Our experience was 5+ stars on both occasions. First time we brought our truck in for heater core replacement. They gave us an estimate on time to be completed. They completed the heater core replacement plus three other repairs that came up while doing the original repair, all within the time frame they gave us for the one repair. Communication was fantastic. Each additional repair was thoroughly explained with the exact price given and we were not pressured in any way to make the additional repairs. Chad kept the old parts that were replaced to show us why they were needing to be replaced and answered all of our questions about the repairs. Second time in, we did coil springs and shocks on front and back of truck. Again, repairs were completed within the time given and at the price quoted. The ladies in the office were super nice and kept us updated on progress. 100% recommend and 100% will use again.