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 302-328-0839 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!
Having owned a business in a competitive market for over 30 years, you succeed or fail by your workmanship and your customer service. Sevy's gets an A+ from me! The engine in my 2004 Ford Explorer needed costly repairs, after considering a used engine, John recommended I consider a rebuilt engine from Jasper. With a 3 year or 100,000 mile warranty it was an easy decision. Sevy's mechanics are great! Had my Explorer back in a week. Had a minor problem, Sevy's took care of it immediately. Having worked on my own cars and motorcycles, I was impressed by the quality workmanship. Christy, John, and Tom are the best up front, and the service is great in the shop! I will recommend Sevy's to my friends and family. In fact I already have!
I had heard about Sevy's from a close friend who has told me literally for years that he would not let anybody touch his cars except Sevy's. In fact, several decades ago they even fixed his bike (true!) for free, something he has never forgotten. I have an old Lexus SUV that has been sorely neglected ever since I bought it, which was in 2005. I lost faith in the Lexus dealership when they told me once that to fix a tail light would cost over $2,000. I was shocked and they said, 'We have to drop the entire bumper." They did not know it but I knew a young kid who worked for them doing minor stuff. He laughed and fixed it in 5 minutes for me in the driveway of his house. I gave him $50. I watched him do it. So anyway, my old Lexus was on its last legs, conking out when driving, and I live in North Wilmington. I took it to the usual suspects to fix it, like Pep Boys and elsewhere, and they wanted nothing to do with it. They tried, and finally it was 'take it to the Dealer, that is the only thing you can do.' I figured I had finally blown my engine, among other things. I called my buddy and he said, of course, 'take it to Sevy's, they are honest and cheap and great' (he began bragging about them), so I had it towed from my driveway all the way down to New Castle. That was about 7 months ago, and my car is running tip top to this very moment. They fixed about a dozen things, gave me a long list of what they did etc., also a tremendous price for all they did. Honest, extremely competent. Friendly too, down to earth. My buddy was right of course! And I will of course continue to neglect it but now at least I know I have a great mechanic.