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Auto Insurance FAQs


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!


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ASE Master Technician
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Federated Car Care Center
Federated Nationwide Warranty
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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!

There are not enough stars on the scale to coincide with how elated I am with the level of service and overall satisfying experience I received on my first visit to Woodard! (This review is lengthy, but I wanted to show the huge difference between my experience with the dealer and Woodard Automotive.) I recently purchased a Certified Preowned (CPO) Land Rover (LR)... but had feelings of buyer's remorse -- especially after leaving Land Rover's service department. There was a rattling sound in my dashboard. After a 2-3 minute drive with a mechanic, and without popping the hood, LR told me that I would have to leave the vehicle because the "entire dashboard would have to be disassembled". The service adviser claimed that finding the cause of rattles is "tricky". He implied that it is so labor-intensive that it would take an unknown number of hours to "TRY to fix the problem..."; "there's no guarantee that it could be fixed...", and "the problem could even get worse... because you never know about rattles". (Imagine, purchasing a CPO vehicle, under warranty, but non-mechanical, non-electrical issues like "rattles" are not included in coverage.) As if their initial display of incompetence wasn't enough, the service adviser stopped me as I was getting into my vehicle and added - "...the other option is to wait until something worse happens in the dash... then Land Rover would cover it." I'm almost sure LR wouldn't take too kindly to that advice. (lol) And, why would he think I'd feel comfortable driving a vehicle that could potentially get worse, or leave me stranded somewhere -- primarily because I took the insane advice to ignore the rattle. (SMH) Their incompetence/fumbling blindly, hoping to get lucky and find the problem, would have cost me $246/hr. It took Woodard's owners, Andy, Lori, and a stethoscope (fondly called Dr. Andy) (smile) MINUTES to pinpoint the problem! I assume the mistake was probably made during the 165-point CPO inspection. (SMH) Needless to say, after leaving Woodard, I didn't even grant LR the courtesy of canceling my appointment. No call, no show is what they deserved. If Woodard accepts Land Rover's warranty and vice versa - I would breathe a sigh of relief, because I do NOT want to return to the dealer -- not even for repairs that are covered under the warranty. These days, it is virtually impossible to find a great master mechanic who can be trusted - in addition to a well-equipped facility to meet the demands of services needed to repair high-tech/late model vehicles. Woodard encompasses all of it! I thank God that I was led to Woodard's website. They are welcoming, personable, professional, and most of all competent and highly experienced! THANK YOU, THANK YOU, THANK YOU!! quotes-image
, 02/09/2024
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(Translated by Google) Excellent (Original) Excelentequotes-image
, 12/20/2023
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