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!
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My much-loved 2007 XJ8 (raised it from a kitten) went totally dead on me. Turned out the major problem was a short in the alternator, which destroyed it and wanted to start an engine fire. Work was done promptly, well, and with full disclosure at every step. Very impressed. First time customer, too.
Took my silverado in for front struts. Very competitive pricing, got it in quick and were great to talkto and deal with. Will use them again in the future, highly recommend!
I had an awesome experience at Global Auto Service! Todd looked over a company vehicle and did an amazing job. You can tell he really knows his stuff — he explained everything in detail and was super honest about what needed to be fixed and what could wait. Their prices are really fair and the customer service is even better. Everyone there is friendly, helpful, and treats you with respect. You can tell they actually care about their customers and take pride in their work. I’ll definitely be coming back to Global Auto Service for any future repairs. Big thanks to Todd and the team for the great work!
Great service very helpful and expedient
