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 812-339-9898 or make an appointment online!


Reviews

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Autochoice is the best and do they ever go the extra distance! Today they carefully extracted a 4’ rat snake from inside my dash. Then they extracted a huge mouse nest the snake was feeding from, then they replaced the washer hose that the mice had chewed, leaving my washer jets nonfunctioning. All with lots of good humor and a reasonable cost.

, 05/22/2024

I had my car in a while back for brake work and once again I was extremely pleased with Auto Choice. They are professional and honest (a rare combination) and I know that the work will be done correctly. I drive a Subaru and I completely trust my technician Jake to diagnose and expertly correct any issues that come up. I definitely will be back the next time I need anything car related. Thank you Jake and Auto Choice!

, 04/17/2024

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My son attends IU and his older car needed an urgent repair. The nature of the repair made it impossible for him to drive the car home and have our usual shop work on his car. Trust is a big issue when choosing a repair shop. The team at AutoChoice Service was professional and thorough in making their recommendations. They advised what repairs were urgent and what items could be delayed for the time being. Their quote was fair and detailed. The job was completed on time. I highly recommend AutoChoice.

, 03/31/2024

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