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 808-947-3011 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!
Absolutely amazing service Kristie goes above and beyond to help out and finding all the resources she can to help. This is the second time she has been there to fix me up. I will recommend them to everyone. All the staff is top notch. you'd be hard pressed to find any better. Thanks for everything you did today!
2nd time I took my truck to AAR. Called Krissy and Bobby at AAR, my truck's "Check Engine" lite came on again. They found the misfire in one of the cylinders, it was still under warranty plus I had them hook up an oil change as well. Artesian Auto Repair is the place I take my truck from now on! Call Krissy and Bobby! The bruddahs over there do good work! Mahalo Krissy and Bobby!