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 224-801-6094 or make an appointment online!
Friendly people, honest prices and professional services.
Matthew Wittman, 12/27/2021
Abel Almodovar, 07/26/2021
I had an appointment at another shop that was a installer for tires that I had purchased at Tire Rack (Pep Boys Palatine). When I got there at my scheduled appointment time they told me it would be at least a two hour wait before they got to my car. I asked what was the purpose of making an appointment then? I then asked how much additional fees would be for installing my tires as their fee was advertised as $78. I realized that my car had tire pressure sensors and it was a good idea to replace them while the tires were off the rims. I had priced what Tire pressure sensors for my car would cost before I got to their shop. The price varied from different sources but the range was from $30 to $80 each. I figured on the high end as I was a new customer to them. So in my mind $80 X 4 = $320 + $78 install = $398 + tax $40 Total around $438. They said $548!!! I said what is the extra $110 for. Pep Boys says to program the sensors. At this point I was furious, so I said forget it I'll take my tires somewhere else. I went down the street to Action Auto where the owner Ira, listened to my story and took my car in without an appointment. They then removed my tires and tire pressure sensors and mounted my new tires with new tire pressure sensors, balanced the tires and reprogrammed the tire sensors to be compatible with my cars system. They even checked and doubled checked that all four tire sensors were showing the correct tire pressures. The cost for all these services with tax out the door $318. $318 vs. Pep Boys $548 not to mention them telling me I would have to wait at least two hours before they could get to my scheduled appointment, I guess I made the right decision plus I saved $230! Thanks Ira, Jose and Mike!!!!!!!