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(502) 203-0454 for Bashford Ave or (502) 230-4279 for the Preston Hwy location | 3435 Bashford Ave Ct Louisville, KY 40218

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 (502) 203-0454 for Bashford Ave or (502) 230-4279 for the Preston Hwy location or make an appointment online!


What Our Customers Are Saying

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Great place I love this place

, 02/23/2024

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These guys were able to find my super hard to acquire rear caliper for my Passat. And able to get me in and out in a timely manner.

, 02/08/2024

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Personable, explains what is going on and thorough.

, 01/10/2024

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Amazing customer service. Went here on a whim because it was close to my work. Everybody I interacted with was super friendly and made everything very easy.

, 12/13/2023

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Very satisfied, did major work on my truck in one day at reasonable price, definitely recommend.

, 12/09/2023

I recently brought my Honda Pilot in for regular maintenance and they found out my Rack & Pin was leaking and replaced it for free ($1200 part) because it was still under warranty, and I'm amazed at the difference when steering. Scott has always been very prompt, honest and professional. Top notch customer service. My family also brings their vehicles here for service. American Brakes is the only Auto Care service I recommend.

, 11/19/2023

  • ASE (Automotive Service Excellence)
  • BBB Accredited Business - Bashford
  • Enterprise Fleet Management
  • Emkay Fleet Management
  • Confidence Plus
  • Car Care Aware
  • TWO LOCATIONS TO SERVE YOU!