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 908-647-7984 or make an appointment online!
Patrick Hurley, 02/16/2024
Long Hill Auto is the best auto service shop in the area, hands down. The staff is well trained and highly knowledgeable. Their facility is well organized and cared for, which shows how important it is for them to pay attention to details. Bob runs a great shop that can handle all of your automobile needs. They are friendly, affordable, and have a fast turnaround on their jobs. I don't think it can get much better than that.
The Bearded Dragon Games, 01/25/2024
In short, Long Hill Auto in Millington is the tops! Due to some forgetfulness about bringing an electric car adapter, Long Hill readily agreed to allow several hours of charging at their facility. Moreover, while dropping off the electric car, a gas version had tires severely low on air. Despite their full work load for the day, they took the time to check the car's computer generated TPMS and reset the "low pressure" code. The final piece de resistance was the addition of a small but useful bottle opener on the key chain with their name and phone number. And everyone could not have been more helpful or pleasant!! Give them your business; you will be glad you did! I am!