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 847-679-8862 or make an appointment online!
Awesome and honest service! My former mechanic retired, and he recommended Chris and his team. It's hard to find a great mechanic, but I'm grateful to be able to bring my car to Golf Crawford Auto Service.
I was looking for a car repair service and was referred to the Golf Crawford Auto Service. Chris and all of his mechanics were wonderful. I told him the problems I was having and he told me he would let me know what he found. Chris called and let me know what was wrong and also made some safety suggestions. I was told what the cost would be with or without the safety fixes. My car was fixed as promised and the cost were very reasonable. It's hard to find mechanics that are professional, reasonable and most importantly knowledgeable. If you ever need service for your auto, this is the one I suggest.
I've been meaning a review for these guys for a long time. We found Chris through a recommendation from Armin at Lake Side Auto Rebuilders (also an awesome shop I highly recommend) and Chris and his crew have exceeded expectations. We drive new and old cars, and most recently we were headed on a cross country road trip in our 10 year old suburban. We had not gotten more than 15 minutes out and a major piece broke off the bottom of our vehicle, and we had to get it repaired going any further on our trip. We took it to Chris, who is usually booked weeks out, and he was able to squeeze us in, miraculously had the part we needed, and got us up and going on our trip out west before the morning was over. This is just one of many times They have helped us. Chris will do everything he can to help you out - he & his crew know what they are doing and will give you an honest deal.