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 330-666-8207 or make an appointment online!
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Got questions? We've got answers! Drop us a line, give us a call, or even stop by. Our team is eager to help you with any auto repair needs you have. Let's get you back on the road safely and swiftly!
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I have had many different cars and mechanics throughout my life. This team has worked on all my Chevys. Currently my 1993 Indianappolis 500 Pacecar Camaro and my 1997 30th Anniversary Z28 Convertible. They are my gems and they have been reasonable with pricing, timely in returning the vehicles and usually available. They have not done unnecessary work when I suspected greater repairs were necessary. They fixed issues directly saving me money on my AC, starters, suspension and tires. The only thing that was not a job they would do was my Convertible top. But at least they were honest in their services. I recommend them 100 percent.
Thank you for accommodating a scheduling misunderstanding when I brought my daughter's car in for tires! As an out of state mom who drove in to help with an appointment conflict, I appreciate your willingness to help us out!
Called Monday morning and they got me right in for my alternator. Great service and very friendly.
All I can say is Chris, Misty and everyone that works there go above and beyond all the times that I have used them. Here is another place that is not out to rip you off. God Bless You All!!
