You TubeFacebookInstagramGoogle My Business Color

Call us for all your towing needs!
859-586-8999

INSURANCE QUESTIONS

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 859-586-8999 or make an appointment online!

OUR PARTNERS

  • FleetNet
  • Geico
  • Road America
  • INA
  • AAA

Testimonials

  • Prompt & Professional
    Emergency Roadside Assistance
    I want to thank you again for your prompt and professional service of our school bus on Friday, April 9th, 2010. We we're visiting the Creation Museum and had no idea where to turn for help with our vehicle. I believe that God puts people at the right place and time and you definitely we're placed in our path when we needed assistance. I appreciate your willingness to look at the bus immediately and to repair skillfully at a fair price. If I ever know of someone in your area that needs automotive service, I will be sending them to you!
    reviewicon, 11/21/2019

  • Helpful & Professional
    No question, just praise. We were helped today with our 5th wheel which broke an axle on I-275 by Ryan and Joe they were very knowledgeable, safety first, helpful and professional. My wife and I could not have been happier given the dire issue we were facing. Please thank them again from us.
    reviewicon, 11/21/2019

  • Felt Safe
    Emergency Roadside Assistance
    I want to say thank you to a driver. My teenage daughter and her friend were in Crestview this afternoon and her car wouldn't start. I wasn't able to get to her and called AAA. Your driver was there in less than 30 mins, got her car started, checked her alternator, and got her on the way. She was very nervous about some stranger coming but he made her feel safe the whole time. As a parent I could not of asked for more!!
    reviewicon, 11/21/2019

  • Professional & Efficient
    Emergency Roadside Assistance
    I just wanted to let you know how very satisfied I was when Ryan came and picked up our car. This was our 2nd experience with Ryan and both times he was very professional, patient and efficient. This 2nd time he was the THIRD truck AAA sent and boy was the 3rd time the charm. He conquered every obstacle (and there were many, hence the THIRD truck sent by AAA) with truly remarkable problem-solving skills and he was prepared with the tools he needed for each and every one of them. I have already told AAA that I will be requesting Smith's for every single roadside service I need in future. I have never had any complaints with your service in the past and all your drivers have been courteous and helpful in the extreme. Oh and the 2x4s! Awesome thinking on someone's part. Kudos, guys!
    reviewicon, 11/21/2019