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Call us for all your car needs! 501-834-3000

INSURANCE QUESTIONS

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 501-834-3000 or make an appointment online!

ASSOCIATIONS

  • ASE (Automotive Service Excellence)
  • O'Reilly Auto Parts
  • Car Care Aware

Testimonials

  • These guys went WAY above and beyond the call of duty for ANY business!! I cannot say enough about how DJ and his dad bent over backwards to ensure that I got home to GA safely and on time! THANK YOU!! I wish you were here in my town. I will recommend you to everybody I meet in Arkansas
    -Alysia Brogdon

  • DJ's has been my sole auto experts for the last 10 years. I wouldn't trust my little Mustang or any other car I might own to ANYBODY ELSE! Their service is fast, reliable & reasonable. They have bailed me out of car trouble on more than one occasion with understanding & patience! They explain the repair in detail, but in a manner that I can understand & answer all my questions. They are THE BEST, HANDS DOWN!!! Thanks, Dan, for providing your service! You guys ROCK!!!
    -Darlene F