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 906-499-3396 or make an appointment online!Partners
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We have established longterm and stable partnerships with various clients thanks to our excellence in solving their automotive needs!
Very busy place but helped us in a pickle. We appreciate you and your hard workers.
We started our vacation off great by arriving at Germfask safely. However, the same night, we decided to get ice cream, and the truck was making a weird noise. We were fearing the worst, wheel bearing. Recommendations from a local store pointed us to Fox River Automotive. I have nothing but kind words to say of Gramps. I've yet to learn his name. Google said he was open. However, we learned differently. Despite being closed, Grandpa took our truck for a ride and advised us of our problems. He even received a phone call from his family telling him breakfast was ready. It's very scary to be 6 hours from home and no way to get around . We are blessed and thankful that Grandpa took the time out of his schedule to diagnose the issue, let us fix it on his property, and a promise to come back after he visits his family from Pennsylvania. His grandson was pretty awesome, too. He didn't have to help at all. He could have simply stated his business was closed and closed the door. May Gid bless this man and young man.