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 775-331-4177 or make an appointment online!
Steven Bill, 08/19/2022
My wife and I drove from Seattle Washington to Reno. We developed a coolant leak in the middle of moving our daughter into her dorm at UNR. My sister recommended Folbecks 4WD. Folbecks squeezed us in on a Thursday, had our heater hose replaced and cooling system serviced by Friday. By Saturday our daughter was moved in and we were back on the road to Lake Tahoe for the weekend. This was probably the best customer service and repair experience we have had. Thanks to Folbecks 4WD our week in Reno/Tahoe was a complete success. RJ was very professional and very helpful. I would recommend Folbecks to anyone in Reno/Sparks who needed auto repair services. Thank You to RJ and all the mechanics and people at Folbecks.