Working Hours
  • Mon 8:00AM - 6:00PM
    Tue 8:00AM - 6:00PM
  • Wed 8:00AM - 6:00PM
    Thu 8:00AM - 6:00PM
  • Fri 8:00AM - 6:00PM
    Sat Closed
  • Sun Closed
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316-788-1641 | 772 N Baltimore Derby, KS 67037

Auto Insurance FAQs

Auto Insurance FAQs

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.

Who do I call to file a claim?

Reach out to your agent or insurance provider. If someone else is liable for your damages, it's essential to also get in touch with their insurance agent or company. The assigned adjuster will then guide you on any further necessary actions.

What does my policy require me to do after an accident?

Inform your insurance provider about the accident's details, including the time, location, and circumstances of the incident. Provide the names and addresses of individuals injured in the accident as well as any potential witnesses. Collaborate fully with the investigation process. Lastly, acquire or grant authorization for your insurance company to secure necessary documents, medical records, and relevant information.

Want more information on your rights? To make an appointment, call us at 316-788-1641 or make an appointment online!


What Our Customers Are Saying

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We lived in Derby for 25 years before moving to Florida. Brad and the gang at D&B have always been honest with us when we needed work done on our cars. My mother is still there and continues to use them. Recently we had to purchase a new vehicle for her and Brad was amazing helping us get the new vehicle checked out. It's difficult when you aren't right there, but they went above and beyond in the Service Department!!! They are honest and really good people! When you need something done or help they always go the extra mile! They really treat you like family and knowing we have Brad there to help my mother and watch over her cars helps us to sleep better at night. It's a great business!

, 05/04/2020

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Appointment was made one week in advance the shop got the car right in as scheduled. The correctly diagnosed the problem and called with estimate on the cost for repairs and requested approval to fix. The vehicle was repaired the same day and the total invoice was less than the estimate. The owners and staff are very knowledgeable and very customer service oriented. I would give them an A plus rating based on my experience and will definitely be a return customer.

, 05/04/2020

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I have had brake repair and oil change service at D&B Service Center. On both visits I was treated in a timely and professional manner. The service estimate was very accurate with no surprises.

, 05/04/2020

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D&B is awesome! Brad is honest, helpful, and very knowledgeable! A true Derby homegrown business!

, 05/04/2020

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I brought my car here to get some new tires put on it. They were reasonably priced. The staff was nice and extremely helpful and informative. I highly recommend them.

, 05/04/2020

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These guys are honest, do good work, and are friendly. Refreshing to find a car repair service like this, they are the best.

, 05/04/2020
  • ASE (Automotive Service Excellence)
  • IDENTIFIX
  • Jasper
  • Car Care Aware
  • Call Us For Service: 316-788-1641