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 281-360-7323 or make an appointment online!What our clients are saying about us
We have established longterm and stable partnerships with various clients thanks to our excellence in solving their automotive needs!
Kingwood Service Center notified me it was time on 04 Nov 24 for certain maintenance on my 2017 Toyota Sienna according to the recommended warranty plan. The work was performed in a very timely and excellent manner. They continie to do an excellent job keeping my 8 year old Toyota Sienna in great shape and I intend to use them for the life of the vehicle following their maintenance plan. They also alerted me to some upcoming work on the Sienna in several months
We have been going to KSC for over 25+ years. They are by far the best repair shop in the area. They are quick and efficient for oil changes as well. I have had many vehicles brought to them over the 25+ years and this shop has always been fair in their pricing for their work, reliable and trustworthy in all they do. Believe me, I wouldn’t be going back to them over these past 25 years if they didn’t do good work. If you want proof of their customer commitment as a testament of their work, just look at the parking lot where you will see cars lined up waiting to be worked on. The folks who work @KSC are diligent and hard working. Make them your “go to” guys if you want reliable repairs and services. Dan Zotti