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 541-593-2554 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
We had our wheel bearings go out while visiting family from out of town. Mikes auto repair was able to diagnose and repair the issue in one day, allowing us to head home when planned. Our quote was more expensive than we thought it would be, but Mike's worked with us on the parts used to help bring down the cost. Overall, they were quick, friendly and did excellent work. Can't ask for much more!
Everyone is so friendly. Like a typical small town attitude. Love it.
Mike's Tire & Auto Center literally saved us! After a long six-hour drive to Sunriver, we immediately noticed a burning smell and found our rear rims were extremely hot. First thing the next morning, we called Mike's as soon as they opened, and they told us to bring it in right away. Within an hour, they diagnosed the issue?our rear brakes needed to be replaced. Even though they closed at 12:30 on Friday, they went above and beyond to get the job done before closing. They even made it super convenient for us by allowing online payment and providing a lockbox for key pickup. Thanks to their quick and incredible service, we made it home safely with perfectly working brakes?no heat, no burning smell. They truly saved our trip, and we can't thank them enough! Highly recommend Mike's Tire & Auto to anyone in need of honest, reliable service.
Mike's Tire and Auto are by far the most trustworthy auto repair I've gone to in 35 years. They gave me an estimate for a repair and I agreed, but was given a call to say it morecof a minor repair and the car is fixed. Long story short, it saved me almost $1,000. They are amazing people who can be highly trusted. Thank you very much Mike's!
