763-544-5512 | 1875 Lilac Dr N Golden Valley, MN 55422
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 763-544-5512 or make an appointment online!coupons
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Testimonials
Harvey Leviton, 09/03/2025
I brought my car in for routine service and because ABS and Traction Control warning lights were on. They have worked on this vehicle before. But this time, they did not tell me that because it was a 20 year old Corvette, they would charge me the classic car labor rate of $250/hour. First, I do not think that a 20 year old vehicle is actually a classic car. The state of MN defines a classic car as being at least 25 years old. And according to Google, the average age of a vehicle on the road is 14 years. But more important than that is the fact that JoAnne, the shop manager told me that a new tech was working on my car. I don't have a problem with that except that if you are charging more to work on a 20 year old corvette it is because it requires special expertise to do so, expertise a new tech is unlikely to have. They also said the car arrived with a dead battery. I find that unlikely as the vehicle is a daily driver and I have had no starting issues with it since I replaced the battery 7 years ago. I suspect, but can't prove, that they left the manual transmission in a gear other than reverse, which will cause a rapid discharge of the battery. I did put a warning tag on the transmission lever to indicate that because not everyone knows, or remembers you have to do that with C-6 corvettes with manual transmissions. They recommended a new battery and I accepted their recommendation because the battery was 7 years old. The only other negative is that I asked them to re-set the oil life remaining indicator and they did not. Fortunately it is pretty easy to do and I did it myself. But for what I paid, I shouldn't have had to. On the positive side, the warming lights are off and the car runs fine. JoAnne is friendly and knows her cars. But I can't give 5 stars for the reasons above.