A car accident can be stressful, and understanding your insurance coverage can make the process even more confusing. Below are answers to some of the most common questions about auto insurance claims and repairs. For more guidance, see what to do after an accident.
Does the insurance company guarantee the repair work?
No. Circle Automotive stands behind the repairs we perform, but an insurance company cannot guarantee work completed by an independent repair shop.
Who pays for my vehicle repairs?
It depends on who caused the accident and your insurance coverage. If you were at fault and have collision or comprehensive coverage, your insurance typically pays for repairs after your deductible. If another driver was at fault, their insurance usually covers the repair costs.
Do I have to agree with the insurance company's repair estimate?
No. If you believe the estimate is incorrect, review the appraisal section of your insurance policy. You and the insurance company may be able to choose a neutral appraiser or use a third-party umpire if needed.
Can I get a rental car after an accident?
If your policy includes rental coverage, you may qualify for a rental while your vehicle is being repaired. If another driver was at fault, their insurance may cover the rental costs. If you don’t have rental coverage and cause the accident, you’ll usually pay those costs yourself.
Who should I contact to file an insurance claim?
Contact your insurance company or insurance agent as soon as possible. If another driver caused the accident, you should also notify their insurance company. An insurance adjuster will explain the next steps and help process your claim.
What should I do after an accident?
Report the accident to your insurance company as soon as you can. Be ready to provide details about when and where it happened, along with information about anyone involved, including witnesses. Work with your insurance company during the claims process and provide any documents or records they request.
Want more information on your rights? To make an appointment, call us at 559-325-9585 or make an appointment online!
