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 973-942-5488 or make an appointment online!
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What Our Customers Are Saying
All-Star staff is very kind, friendly and very knowledgeable. Very helpful. They go the extra mile to make sure that they are providing you with the correct information for your car. they were so nice. My husband was changing the transmission or before escape 2008 and the piece he was buying able to get it so they helped him finding a part. They're also they're very patient about us picking up the car from them. in addition they are extremely patient because my husband asked so many questions kept calling them but they were very very patient and they did a great job. If you need work on your transmission, that's the place to go. Their prices are fair. They were willing to work with you. They are also very knowledgeable and their customer care is Great.
Brought my car back to life, unbelievably grateful to have chosen this place, no BS, just fantastic service, Excellent for classic cars
Haledon, NJ
Thank you Chris for another job well done. I appreciate the effort you all put into my truck to get me back on the road. Especially the extra attention to my engine misfire and exhaust install. Will always recommend you. Great Shop !
Haledon, NJ
