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!


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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!

Left turn signal started fast flashing. I was sure the bulb was out. Spent quite a bit of time going to parts store, getting 2 new bulbs and installed. Still fast flashing!! Called Ty at Mike's Tire & Auto. He slotted me in and within a few hours, he called and advised the circuit board was old and corroded. He scoured the area for replacement board. He found a new one and shortly later, car was fixed! Great service, honest folks, competent. Thanks, Ty!!! quotes-image
, 01/05/2021
reviewiconElectrical Issue
Electrical Services, near Bend, OR
Our 2002 Nissan Frontier suffered a cracked radiator just as we arrived in Sunriver on a Wednesday evening. Got towed to Mike's in the morning but they were only going to be open until noon so that Ty could take his entire staff fishing. Just as I was about to go to plan B, Todd found the part in Bend, had it express shipped to the shop, contacted another customer and found they didn't mind waiting a few more days for a tune up and wedged us into their schedule. We were on the road two hours later. Hats off to the entire organization. Outstanding service!quotes-image
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