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 765-742-1951 or make an appointment online!
Know Your Rights
A place that knows how to work on stuff. You won't be disappointed. Definitely recommend them to my friends and family.
Banes is a small shop out in the middle of nowhere. Driving by, as I do every day, it doesn't look like much. I learned to not judge a book by its cover. I took my car there because I was having a major front end problem, and they were close to home. I went expecting the worst, but was very pleasantly surprised. They fixed my vehicle the same day, didn't try to up charge or find any more work to do, and did it all for what I consider to be a reasonable price. I would not hesitate to take my vehicle back to them any time.
These guys are super nice!!!! Did great job on my boat and they did not take advantage and were very reasonable. We will be back!!!!!!
I cannot say enough good things about Banes Auto. It has become a common saying around our farm that if something is not operating correctly “Banes can fix it”. They are trustworthy, reliable, very reasonably priced, work quickly, and are willing to try to fix most anything. From a rare Charley motor bike (that is no longer manufactured and ALL scooter/motorcycle garages weren‘t even willing to look at) to a 70's Kubota utility tractor, they have astounded us with their ability to problem solve and efficiently repair our vehicles. They have serviced and repaired all of our farm equipment (tractors, trucks, a trailer bed, a riding lawn mower, and Gator) as well as our own personal vehicles, diesel and gas. I HIGHLY recommend Banes for any vehicle repair. Truly one of Lafayette’s best garages!
They do quality work!