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 406-880-2739 or make an appointment online!
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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
Great customer service , reasonable pricing and attention to detail …. Old school customer service ! My go to place now for any auto maintenance!
I know these guys and I was so excited when they opened their own shop! It's family run owned and operated. They have tons of experience and finally left the larger dealerships to start their own business with integrity and honesty. I brought my old Ranger in for a power steering issue and steering rack I had installed from a prior mechanic. They handled negotiations with the parts dealer to get me a new steering rack, remanufactured. However, that rack failed after a month! Todd(the owner) immediately got me in and handled the replacement warranty and covered the labor costs, only asked for help paying for the alignment. Super fair, really fast service and I can't recommend them enough.
Customer service was excellent and so was the pricing. If i could give extra stars i would.
Todd and his team are wonderful. I went in for an oil change and to get my snow tires put on. Exceptionally friendly and knowledgeable. Great communication too! There was a little hiccup at the beginning but they made it right immediately. Would recommend them to anyone and will!
