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 708-385-3626 or make an appointment online!Partners
What our clients are saying about us
We have established longterm and stable partnerships with various clients thanks to our excellence in solving their automotive needs!
For the next year, I found this company as a friend of mine told me how they replaced the engine in his truck and he has had no trouble with that engine for over five years. I did start taking my 20 year old Subaru to them and they were able to fix any and all problems I just recently today I got my Mitsubishi back which had a problem in the crankshaft, and I am very happy with the work that was done. I will say this is a group of well trained and honest mechanics when I had my Mitsubishi towed there the tow company told me that if I would let their mechanics work on it, they would take 10% off and I told them I don't know you or your mechanics. I do know George and the mechanics at G&L and I have found them to always be honest and professional doing a good job that last thank you G&L.
I came in thinking I needed some major work on my front end suspension. I was sure I'd be hearing words like tie rods and ball joints. It turned out to be a a loose front tire. The lug nuts were not snuggly tightened after a flat repair. The cost was zero!! I was ready and willing to pay for front end work. These guys are amazing. They are very good, HONEST, mechanics. I HIGHLY recommend them!!