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 908-647-7276 or make an appointment online!
Contact Us Today!
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
Small shop, great crew. will provide transportation locally, super convenient. Techs are comprehensive and knowledgeable.
Excellent customer service and mechanical work! They saved me THOUSANDS! How you might ask?? Story time! My son jumps in his '14 Ford Fusion (High mileage) and the dashboard is lit up like a Xmas tree. No power steering! I call around to a couple of local shops and they are honest - electric power steering needs a computer reset which they don't have and recommend going to a dealer. So, I went to the Ford dealer near me. Their diagnosis was a whole new steering rack is needed - $3,800!!!! I do some more googling to find Mark's specializes in fords so I call them. They can deal with the computer stuff so I bring it there. They do analysis (sent scan reports!) and discover the wire to the power steering motor was chewed off (rats!)! $500 to fix! Saved me over $3k. Great use of technology for the service. They email estimates with pictures and final bill! All very clear. (Going back to Ford with this info to get my diagnosis fee back!) Service is great (thanks Abbey, Mark and the team!). I really appreciate a well run, local, and competent business!!
I went to Mark's team for a diagnosis and quote for the job that needed to get done to get my vehicle in a safe condition. Mark's team worked diligently to find the problem and described (in great detail) what the issues were. Although I decided not to get the work done, I would highly recommend Mark's Auto Service if you want quality, honest work done on your vehicle- my vehicle drove better when I picked it up than it did when I dropped it off! Prices may be a bit steep but it is likely a reflection of paying the employees fair wages and the quality work they do. TLDR; Expect a detailed diagnosis report and professional treatment by staff!
I really enjoyed my interactions with them. They diagnosed my car the next morning and sent me a detailed report with pictures and recommendations. I approved the repairs online, and they got everything done very fast as promised. Overall everything went smoothly. The staff were courteous and caring. Communication was amazingly efficient. They also took my car to car wash!
