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 973-838-1656 or make an appointment online!what our customers say
Nothing but High Praise for this shop and all of their employees - Family business that provides exceptional service. Drove me home while they worked on my car the picked me up upon completion... Won't find that level of customer service at many privately owned repair facilities.. Customer Forever Boys!!!!!!!!!!
I had a pre-purchase inspection of a used car done at Pry Automotive in Butler. I was helped by Dominic and the service was amazing. My experience was one of honesty and straightforward communication. I live about an hour away and had scheduled this inspection to be done over the phone. Dominic had the vehicle come in as soon as he could, examined it, and called me afterward to give a comprehensive review of the issues and helped me figure out hypothetical costs for repair. This was my first time buying a used car and Dominic gave excellent advice beyond what was expected. I would highly recommend this location.
I heard about Pry from a new neighbor upon my recent move to the area. After having a new battery installed on my Jeep at a different shop, it failed inspection since the sensors had not completely reset, which I have learned is a common problem. I called Pry and explained my problem and John was as professional as you could ask for. He new my issue reassured me that it's a normal occurrence and I have set an appointment to have it repaired and inspected at Pry. I'll review after the work is done, but if the telephone call is representative of the way I'll be treated I believe I have found my local shop for all my car repairs and maintenance.
