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 480-737-1214.
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
I went in because my car had been making a strange noise that I couldn't figure out. The team took the time to inspect everything explained what needed to be repaired and never tried to upsell me. They got the work done quickly, and my car has been running perfectly ever since!! I'll definitely be back if I ever need more repairs.
Tempe, AZ
⭐⭐⭐⭐⭐ 10/10 — Highly Recommend! I can’t recommend Hardy Vehicle Designs enough. After being rear-ended, I initially took my car to the repair shop recommended by the insurance company, but my vehicle still wasn’t repaired correctly. When I brought it to Hardy Vehicle Designs, they were able to identify the issues right away and explain exactly what had been missed. I was also dealing with a difficult insurance claim, and they went above and beyond to help communicate with the insurance company and explain why the original repairs were incomplete. Tyler was absolutely amazing to work with. He was knowledgeable, communicative, and took the time to explain everything in a way that was easy to understand. The entire team was professional, honest, and genuinely cared about making sure my car was repaired the right way. If I ever need any automotive work in the future, Hardy Vehicle Designs will be my first call. I’ll also be recommending them to anyone looking for a trustworthy, knowledgeable shop. Thank you for making such a stressful situation so much easier!
Tempe, AZ
Super service, great pricing. Affordable for retired senior. From the owner, to the office. Service is what this company is about. I will continue to use Hardy for my car repair. Thank you again
Tempe, AZ
⭐⭐⭐⭐⭐ 10/10 — Highly Recommend! I can’t recommend Hardy Vehicle Designs enough. After being rear-ended, I initially took my car to the repair shop recommended by the insurance company, but my vehicle still wasn’t repaired correctly. When I brought it to Hardy Vehicle Designs, they were able to identify the issues right away and explain exactly what had been missed. I was also dealing with a difficult insurance claim, and they went above and beyond to help communicate with the insurance company and explain why the original repairs were incomplete. Tyler was absolutely amazing to work with. He was knowledgeable, communicative, and took the time to explain everything in a way that was easy to understand. The entire team was professional, honest, and genuinely cared about making sure my car was repaired the right way. If I ever need any automotive work in the future, Hardy Vehicle Designs will be my first call. I’ll also be recommending them to anyone looking for a trustworthy, knowledgeable shop. Thank you for making such a stressful situation so much easier!
Tempe, AZ
Savings & Specials
Discover the latest deals and discounts we offer. Take advantage of our seasonal promotions & coupons and find out how you can save on your next visit to our shop.
Collision Special
