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 781-586-8781 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
The best and most skilled guys in the business. I don't go anywhere else.
Lynn, MA
Had a great experience getting our car fixed. They were very communicative and timely. Pricing was also very reasonable. Would definitely recommend and use them again!
Lynn, MA
Amazing service from Saugus Auto Craft! The auto body shop worked very fast, did an excellent job on my car, and even did a full detail inside and out. Everything was handled professionally, and the entire process was smooth and stress-free. I’m extremely happy with the results and would highly recommend them.
Lynn, MA
I brought my car to Lenny Jr. at Saugus Auto Craft, and honestly, I got it back looking better than when I first bought it. They didn’t just fix the damage — the whole car came back spotless, inside and out. Lenny was professional the entire time and kept me updated at every step. He walked me through the whole process, from dealing with insurance to explaining exactly what needed to be done. It made everything way less stressful. Highly recommend — top-notch work and even better service.
Lynn, MA
