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!Reviews
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My 2018 Hyundai Tucson’s check engine light came on solid. Vehicle didn’t feel right. I got my vehicle towed to Long Hill Auto. Coordinated everythung with Bob. He was great! My Tucson needed a big job done and it was described to me in plain English so I understood. I plan on driving this car much longer so it was key to get it properly diagnosed and fixed. I can’t say enough st how pleased I am. beaver628, 10/22/2026 |
Trusted Auto Service. This is unheard of these days. Bob and his crew are true professionals and have serviced my vehicles for a number of years. I would never go anywhere else. Bob has NEVER tried to "sell" me anything I don't need. All the work is carefully and timely performed. I am a big fan of supporting small business owners and I will continue to bring my vehicles here. Thank you Bob and Team! Shankar S., 10/17/2026 |
My family and I are loyal customers of Long Hill Auto. Bob and his professional mechanics are great. Highly recommend this establishment. Anna Russo, 09/27/2026 |
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