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 540-373-5269 or make an appointment online!Partners
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!
I can’t say enough good things about Woodard Auto in Fredericksburg. The service is truly professional and top-notch. After several bad and expensive experiences at dealership repair shops, I finally found a shop I can trust and rely on for my Volvo XC90. Lori at the front office is a true professional—friendly, knowledgeable, and extremely helpful. She takes the time to answer all my questions about the repairs and costs and makes the whole process easy and transparent. Andy is an amazing technician who clearly takes pride in his work. He makes sure the job is done right, takes the time to diagnose the actual problem, and genuinely cares about resolving the issue rather than trying to upsell or take advantage of the customer. I had a check-engine light that had been on for almost two years. I took my Volvo to the dealer three times and spent around $1,800, but they never figured it out. I eventually gave up and assumed I would just have to live with it. When Andy asked me about it, I told him not to worry about it because the dealer had said it was a computer issue that couldn’t be fixed. Andy took it as a challenge. He diagnosed the problem and fixed it by replacing a part that cost only about $180—and the check-engine light is finally gone! I cannot thank Woodard Auto enough, and I highly recommend them to anyone looking for an honest, professional, and trustworthy auto repair shop. If you have a Volvo, I especially recommend giving Andy and the team at Woodard Auto a try. You won’t regret it!
Lori was great with the sunroof repair. She kept the details clear, handled everything professionally, and made sure the process stayed easy to understand. I appreciated how helpful and steady she was through everything. Lori made the service experience feel fair, smooth, and taken care of the right way.