585-398-3299 | 1531 NY-332 Farmington, NY 14425
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 585-398-3299 or make an appointment online!
Testimonials
Allison H., 07/20/2021
Today is a day my faith in humanity is restored! I have always felt more then confident in our Mechanics at MC Automotive but today is one of many days that ensured me we are in the BEST hands. Our new to us Yukon XL Denali was presenting issues with the dash and starting or not starting. I brought the vehicle in on very short notice and when picked it up it was working fine. It would not present the multiple errors bc the car was not having issues starting at the time. Joe, noticed my positive battery connection was loose. Thinking this may have been a contributor or cause. On my drive home the car finally worked perfectly. I made a stop before heading home and when attempting to restart my vehicle I was unsuccessful after multiple tries. I reached out to Christin in the office who kindly listened to all of my concerns and advised me to call Mike, the owner of the shop. He was extremely helpful and willing to do whatever needed to be done to get me up and running! . He sent his Mechanic, Joe to my rescue with a machine to read any errors and attempt to start the vehicle. After working very hard for well over an hour in the heat and sweating it was decided it may be an issue for the Dealership itself to reprogram modules or correct issues. But also offered that if it was determined that the error codes or issues did not need to be programmed by the dealership then I could bring it back to him and he would do whatever needed to try and fix it. He took so much time and effort out of his day as did Christin and Mike to answer my calls, and my concerns immediately. It feels like family there and who wouldn't want family working on their cars? I will always and forever as long as they are in operation...continue to bring my vehicles to them. Hands down they are the BEST automotive repair shop I have ever been to. If only everyone operated this way and treated their customers with such care the world would be so much better!!!!!!!!