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 503-786-0700 or make an appointment online!Partners
What our clients are saying about us
We have established longterm and stable partnerships with various clients thanks to our excellence in solving their automotive needs!
If you want to give your car into honest and trustful hands, look no further! We recently moved from Europe and had bad luck buying a rusty car, which they found out during a thorough inspection and kept us updated about every step of the process. In the end, instead of talking us into (very) costly repairs, they suggested to sell it and gave us invaluable tips and recommendations. This will be my go-to shop in Portland now. Big shout-out to Brian and the entire team!
I’ve been here twice. Both times I was dealing with Brian. And they are truly an amazing and compassionate auto shop. The first time I brought my car in was to get my alternator replaced, and it was the cheapest out of all the other auto shops in my area. So they aren’t out trying to charge outrageous prices. That was a pretty cut and dry experience, they fixed my car at a great price, and my alternator is still going strong. What really blew me away with this auto shop was the experience I had with them today. I brought my car in thinking that I had a leaking coolant hose which is usually a cheap fix but Brian ended up telling me that it was actually the entire coolant reservoir that needed to be replaced, making it $200 more expensive than what I thought I was going to be paying. The shop understood my situation and showed me complete compassion today that I couldn’t even believe. Totally saving my livelihood. Will recommend to others. 5/5