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 847-697-0746 or make an appointment online!
I brought in my Toyota Yaris early this morning due to a check engine light that came on the day before. I know Mondays are very busy for your shop and Bob said it may take some time before he can start working on it. I said no problem & I understand. I got a call in the early afternoon letting me know my car was done and he fixed the Timing Solenoid (VVT) and my car was ready to be picked up! I was so happy and picked up my car shortly after. My husband & I only bring in our cars to your automotive shop as we trust you and your staff. You are honest and very close to where we live. Thank you again for all the hard work you do and for taking care of our vehicles!! :)
Diane Zavadin, 03/27/2023
The shop was amazing. I called and they got me in the same day, repaired and returned my vehicle within a couple of hours. I highly recommend this shop!
Donna Worf, 06/29/2021
Just experienced wonderful customer service...professional, safe, accommodating and timely!