
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 317-925-5330 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!
What Our Customers Are Saying
This repair shop went out of their way to try and fix my car. When they realized I have a problem that needs a dealer part they were upfront and did not charge me anything, even though this took time for him to diagnose. He even got the top up on my car so it wouldn't get wet. I will be back to this shop for any repairs I need in the future.
I haven't even retried my vehicle, which will be done today, but I already know the job will be A+. I've been bringing our fleet to John for a couple years now and I can say he's always my first choice for auto repair. I love his prices they are fair, his work is always right, and how he treats everyone the same. I always feel welcomed. What I love most is he's honest. If he can't do it, he'll tell me up front and often recommend who can. Thanks so much John. I truly appreciate your services.
Once again John at A & A comes through for me and my car. Thank you! We like to keep our car nice and running well. He was able to replace my tire and have me back out running real quick. Support our locally high quality businesses like A & A!
I brought my BMW in because the front end was shaking violently at higher speeds. John hooked me up with a new control arm and was very pleasant and professional. The price was good and he got me in and out in the same day. Being from California I was not sure if I would get the 2nd class treatment. No sir, not at this fine establishment! I will be back! Oh also, no more front end shake. They know what they are doing. He even showed me the bad part....it was on life support.