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Call us for all your car needs! 208-852-3355

INSURANCE QUESTIONS

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 208-852-3355 or make an appointment online!

ASSOCIATIONS

Testimonials

  • Spatig Bros towed my van for me after I hit a deer. Because I was an hour from home, I had nobody there to pick me up. He took me to his shop where he offered me coffee, water and a soft chair then proceeded to do his work. He checked on me every 5 minutes or so just to make sure I was okay and then spent several minutes going over the damage to my car with me. He was incredibly kind both at the scene and at the shop and made a really hard morning that much easier. Great customer service!
    -Jessica M.

  • Great people, great service. You'll never find anyone better.
    -Samberly W.

  • My truck broke down today heading through mink creek. The owner came and took care of us. He was very professional and extremely nice. The ride back in his truck was comfortable. He has a great personality that definitely helps get you in a better mood after a bad day. Rates were very good too. I would definitely recommend. But I hope I never need him again.
    -James C.

  • Had our car brought here for insurance work. Didn't end up having it fixed because it was totaled but they were easy to deal with.
    -Richard R.

  • Spatig Brothers was the best experience with a company I've had for a while. I'm from Salt Lake and wrecked my car near Preston. Maybe I'm just not use to the small town way of doing things, but I was more than taken care of. They really care and will be more than fair with you.
    -Eric J.