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 315-738-7710 or make an appointment online!Partners
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We have been going to Jeff's shop for a few years. Jeff and his team of mechanics are very efficient, and the quality is exceptional! ASC makes sure our vehicle is running top notch for us when it is returned. They personal drive our vehicle to check for everything before sending it back. They are very fast, and return our vehicles to us in a short amount of time. Always there to help us in a pinch! Reasonable and affordable pricing. They treat you with a personal touch service from the moment you walk in! We won't go anywhere else! 10/10 recommended by us. We tell all our friends and family to call Jeff! One of the best! One of the nicest, cleanest, and organized shops around! So happy to be apart of ASC!
Jeff and his staff are trustworthy and go above and beyond. They have adequately serviced my families vehicles for a couple of years.
