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 803-772-5144 or make an appointment online!


Reviews

I've been going to Tommy since I bought my first Honda Odyssey minivan. I later bought my wife a CRV and all 3 of my children Honda's. I've trusted him to keep their cars safe traveling back and forth from high school through college. Tommy and Ryan keeps me up to date on scheduled maintenance and tells me details on the health of my vehicle. He's upfront on all of the costs. He's very friendly and personable. If there were more people in the world like Tommy, the world would be a better place.

, 06/25/2022

We have been taking our Hondas to Barnhill Automotive for many years,15 Years. Tommy and Ryan do an excellent job. They are thorough and reasonable with all of their work. I will only drive Hondas because of the peace of mind that I have with the top notch service at Barnhill Automotive. I would highly recommend this business.

, 06/22/2022

After purchasing a used Honda for my teen daughter, I wanted to have it checked out and was referred to Barnhill Automotive by Honda of Columbia due to the age of the vehicle. Tommy answered my call and was very friendly, open and honest. I appreciate how thorough and detailed he was when explaining what was found in the inspection. They care about their customers and the cars they service. Thank you for a wonderful experience.

, 05/17/2022

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