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 517-332-1391 or make an appointment online!
Exceptional! My son was in Lansing, MI on June 22, 2015 for a concert at the Loft with friends. Having auto issues so far away from home, Traverse City, MI. I was very concerned and lost trying to help my son get his car cared for and running again. I had hopped onto the maps of Lansing, MI and verified where my son was with his broken down car, and noticed Ryan's Car and Auto Care on the map close to my son's location. So I called Ryan's Auto service station and explained the situation, Ryan was very helpful referring me to 2 other service stations who may be able to help me in this situation. This first place I called was able to refer me to their towing service and get my son's car in, and serviced within the day,and the charges $$$ were very acceptable, considering the distance from Traverse City, MI and Lansing, Michigan. THANK YOU SO MUCH Ryan for your awesome help with this issue.
Ryans took care of my 2004 dodge stratus SXT coupe named Emma Frost at a very reasonable price and I always got her back quickly. I just had my newer (2000 jeep grand Cherokee named Crimson Dynamo) checked out there too and again, quick and reasonably priced. These dudes do some good work and deserved the praise they receive.
I've been blown away by how great the service is at Ryan's. Everyone has always been super accommodating to how car-illiterate I am, and unlike so many other shops, never take advantage of this. The online car evaluation that they provide you is a huge perk as well