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INSURANCE QUESTIONS

FORT MITCHELL GARAGE

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 859-431-3326 or make an appointment online!

Associations

  • Federated Auto Parts
  • IDENTIFIX
  • IATN (International Automotive Technicians' Network)
  • ASE Master Technician
  • NFIB (National Federation of Independent Business)
  • ALL-DATA
  • Ac Delco
  • ASC
  • Motorcraft
  • Car Care Aware

Vehicle Tips

  • According to recent studies, 5 percent of all motor vehicle fatalities are clearly caused by automobile maintenance neglect.
  • The cooling system should be completely flushed and refilled about every 24 months. The level, condition, and concentration of coolant should be checked. (A 50/50 mix of anti-freeze and water is usually recommended.)
  • Never remove the radiator cap until the engine has thoroughly cooled. The tightness and condition of drive belts, clamps and hoses should be checked by a pro.
  • Change your oil and oil filter as specified in your manual, or more often (every 3,000 miles) if you make frequent short jaunts, extended trips with lots of luggage or tow a trailer.
  • Replace other filters (air, fuel, PCV, etc.) as recommended, or more often in dusty conditions. Get engine drivability problems (hard stops, rough idling, stalling, diminished power, etc.) corrected at a good shop.
  • A dirty windshield causes eye fatigue and can pose a safety hazard. Replace worn blades and get plenty of windshield washer solvent.
  • Have your tires rotated about every 5,000 miles. Check tire pressures once a month; let the tires cool down first. Don't forget your spare and be sure your jack is in good condition.
  • Check your owner's manual to find out what fuel octane rating your car's engine needs then buy it.
  • Keep your tires inflated to the proper levels. Under-inflated tires make it harder for your car to move down the road, which means your engine uses more fuel to maintain speed.
  • Lighten the load. Heavier vehicles use more fuel, so clean out unnecessary weight in the passenger compartment or trunk before you hit the road.
  • Use the A/C sparingly. The air conditioner puts extra load on the engine forcing more fuel to be used.
  • Keep your windows closed. Wide-open windows, especially at highway speeds, increase aerodynamic drag and the result is up to a 10% decrease in fuel economy.
  • Avoid long idling. If you anticipate being stopped for more than one minute, shut off the car. Contrary to popular belief, restarting the car uses less fuel than letting it idle.
  • Stay within posted speed limits. The faster you drive, the more fuel you use. For example, driving at 65 miles per hour (mph) rather than 55 mph, increases fuel consumption by 20 percent.
  • Use cruise control. Using cruise control on highway trips can help you maintain a constant speed and, in most cases, reduce your fuel consumption.
  • Keep your engine tuned. A fouled spark plug or plugged/restricted fuel injector can reduce fuel efficiency as much as 30 percent.
  • Inspect the engine's belts regularly. Look for cracks or missing sections or segments. Worn belts will affect the engine performance.
  • Have the fuel filter changed every 10,000 miles to prevent rust, dirt and other impurities from entering the fuel system.
  • Change the transmission fluid and filter every 15,000 to 18,000 miles. This will protect the precision-crafted components of the transmission/transaxle.
  • Inspect the suspension system regularly. This will extend the life of the vehicle's tires.