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 641-581-3000 or make an appointment online!
Will be back soon for more work. Very pleased.
Chad Dierks, 02/19/2024
FCA did exactly what I asked for unlike FC Crysler , where I took my truck in for a recall and they charged me over $100 for a scan and they said they needed to confirm the vehicle was I. Need of the recall, when that fact was already confirmed by Chrysler mailing me the recall. Just to line there pockets. FCA charges less than 1/2 the price of a scan at FC Chrysler.
Leon Behrends, 02/12/2024
Within certain industries, it can be hard to find someone you can trust. Doctors, Dentists, Thulian Shamans, and of course - mechanics. That's why I am grateful for the crew over there at Forest City Auto. Craig, Tyler, Jeremiah, and the rest. Good peeps. Honest. Good men... and thorough. From giving my car a look-see from top to bottom at no cost, to same day service, to affordable work - they really have made me a happy customer each and every time. It may be weird to say that I hope not to see them too often (who wants car trouble, right?). But if I have to see a mechanic, I am glad to have Forest City Auto on my side! Thanks, guys. Sincerely,
BD Zack, 01/17/2024