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 203-327-6224 or make an appointment online!
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What Our Customers Are Saying
Nico took good care of me and my car . He went above and beyond to work out issues and payment with the person who hit my parked car . He’s awesome , very knowledgeable and personable and handsome and did a great job with my new bumper and quarter panel . I recommend him
The absolute best. Nico handled the entire process so seamlessly and went above and beyond to ensure I felt comfortable and informed. He kept me updated throughout, handled communication with insurance. I felt so at ease knowing my car was at Twin Ridge! I would recommend Nico & the staff at twin ridge to anybody.. 12/10!!!!
Very professional and knowledgeable in repairing my car. Nico did a great job
Twin Ridge exceeded my expectations, not only with the repair of my car, but with their customer service. Nico is a true professional, kind, respectful, but more importantly resourceful. The communication with Nico was great as well. They were honest, on time, and delivered a perfect finished product. I recommend Twin Ridge to anyone in need of collision repairs. 10/10
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