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 205-324-6529 or make an appointment online!
Know Your Rights
We have done business with Charlie and Terry for years. They are very friendly and reliable and have lots of heavy equipment, truck and automotive starters and alternators in stock.
My friends at Southern Armature Works has took great care and time fixing any problems I've had for 46 years and as best I remember I never had to take any work done back to be redone. They know the business they're in and fix your problems once. Until I take my last breath I'll never take my car anywhere else!Take it to the bank!
Have gone to Terry and Charlie several times over the years and I trust them to give me an honest assessment, quality workmanship, and a fair price.
Been doing business with this bunch for years. Absolutely fantastic crew. Honest and trustworthy. They do top notch work.
Fair & Honest. Family has gone there for 30 years!
Wonderful work. They stand behind their work and work with you to lower the costs.
This is an old-school shop. It's got smells of lubricants and old equipment lying around and lots of people working on lots of cars. I love it. They're fair and honest