
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 559-325-9585 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
Chris helped me with my vehicle, and he was thorough, professional and very helpful! We highly recommend this business, as they have exceptional customer service!
General Services, near Clovis, New Hampshire
We came in to have our car fixed and since then our car has ran well!
Clovis, CA
Blessed to have come upon this shop. My family and I were on a road trip from New York and our car broke down near Clovis at 8pm on Friday. Our Honda Odyssey couldn't take the hilly up and downs of the Cali hills. AAA towed us to this shop but since it was late we would have to wait till the morning to talk to anyone about the work. The shop says it's only open weekdays and Saturday by appt. So we decided we would come in the morning and possibly someone would be there working. We came back the next morning and John was there. He is a very generous and caring man. He decided to look at our car to see what's wrong and ended up helping us out. The day before, we already were thinking the road trip is down and out, and the super old car is dead. Everything was amazing, from the service to the conversations. Huge thank you to John!!
We've gone to Circle Automotive a few times, and each time we received excellent service with a friendly staff.