For exceptional automobile repair and painting, you want an expert in the business.
Smith’s Collision will provide that level of service you deserve.

3517 Rte 20, Sloansville, NY

Phone 518-868-4845

Out of town 1-800-649-7648

Hours of Operation:

Monday – Friday 8 am – 5 pm

                              24 hour towing

Member of:


Know Your Rights

Dealing with the stress of a collision is hard enough without trying to figure out how your accident insurance works.

Can the insurance company tell me what shop I have to use?

NO, they can suggest shops, but they cannot make you use one over the other. It is solely the customers decision to choose their repair facility shop of choice.

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.

Who is responsible for the deductible?

Per your agreement with your insurance company, you are responsible to pay your deductible at the time you pick up your vehicle.The repair facility has the right to hold your vehicle until a payment is made.

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.