AMERICAN BRAKE CENTERS INC.

(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

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

I couldn't be more impressed with my experience here. Each time I've used them, they've gone above and beyond. The diagnostic work done was thorough, pinpointing every issue while explained everything in detail and giving me options that worked within my budget. The repair was completed in a timely manner, and I really appreciated how quickly they got everything sorted without cutting corners. On top of that, they weren't trying to sell me additional repairs that other shops tried to tack on to the estimate. Because of that I ended up saving a significant amount of money compared to other quotes I had gotten elsewhere. I highly recommend this crew at American Brake Center to anyone looking for quality, honesty, and fantastic service. These guys know their stuff and it shows they care about their customers!

Mark Doyle, 02/27/2026

I was recommended to American brake Center a couple years ago. I have taken several of our families vehicles there for several different things. I am skeptical of mechanics in general. However, the owner and his employees do really good work. They appear to be very trustworthy and their prices are good. It’s hard to find a good mechanic you can trust. They are always honest and if they cannot fix it for whatever reason, they will recommend a place that can do the work and would be trustworthy. I highly recommend American Brake Center.

Martin Higgs, 10/29/2025

You won't find a more trustworthy auto-repair shop in Louisville. I've been bringing my vehicles here for several years now, and I highly recommend American Brakes to all my family and friends. Scott has his customers' best interests at heart. It's affordable and leaves you feeling worry-free with their excellent customer service and expert analysis.

Matt Brown, 07/18/2025

The crew here has been incredibly effective, prompt, knowledgeable, and kind. I came in for a second opinion on an AC repair and not only did they save me a significant amount of money, but they also had the work finished the same day I dropped it off. Their honesty and efficiency really stood out. I’ll definitely be bringing my business here from now on.

Brandon, 07/03/2025

I had my rotors and brake pads replaced here a few months ago. Recently my brakes started squeaking again. Since it was still under warranty, I brought my truck back and they fixed the issue within a day. Another shop quoted me almost double for what I paid originally.