Marty's Auto Repair
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 856-764-3633 or make an appointment online!
OUR REVIEWS
Engine & Transmission, near Riverton, New JerseyNick Flintosh, 05/09/2024While my story is still in progress, I want to say that the positive reviews regarding Marty's professionalism and excellent effort level are absolutely totally earned. Marty took my vehicle in, had a diagnosis in 24 hrs, and communicated quite a bit of info to me clearly and respectfully about the repairs needed. Because an extended warranty is involved Marty even sketched out his best and worst case scenarios, but still took on the heavy lifting of making the calls, etc. This level of personal effort for a new customer demonstrates that this man is operating a business based on a personal committment to giving one's best honest effort just because it's the right thing to do, and that is exemplary! My journey is still in progress due to roadblocks beyond his control, but throughout Marty has been the consumate courteous professional the likes of which are rarely found. This may well be one of the stories he describes starting with "You wouldn't believe what I had to go through ....", but mine starts with "I can't believe what this man is doing to help me get through this..." Rock on Marty and staff!
partners
