Autotech Car Care
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 301-464-9200 or make an appointment online!
OUR REVIEWS
Bowie, MD
Steven Cook, 04/24/2026When we moved back to Bowie in 2008, we tried several other mechanics around town and within a 20+ mile radius tried about half a dozen places. Then we realized we had become almost blind to Autotech across from Giant's Freestate Mall (I guess it's a shopping center now). From the 1st visit these folks gave us professional service and excellent quality in the repairs and good pricing for all the work. They stand by their work too. We have never had to have any work redone there, but when we've had questions they have always been very helpful. Autotech has always tried to fit our schedule too, sometimes when I told my wife a few months ago that I thought we'd have to wait through the weekend and pick up Monday night, they have had the car repaired and ready to go often the same day (in that case a Friday). My wife and I both feel lucky that we found Autotech and, as long as they are within driving distance (or Tow distance once or twice) we will continue to take our vehicles to Autotech. This is one of our no-brainers' of life in this area. I can't recommend these folks highly enough! Take your vehicle to them with utmost confidence.
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