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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Lloyd and the guys are great! My wife and I were unsure about finding a repair shop, and after reading the reviews, we decided to give AutoChoice a try. We took a car we were thinking of buying for a pre-purchase inspection and already liked the service from the start: fair prices, transparency, and clear communication. You don't feel like you're being taken advantage of at any point (unlike many other shops). Today, we brought in another car for some inspections and repairs and once again received excellent service! It's our go-to place in Bloomington for repair services! They really deserve the high reviews they have everywhere. We highly recommend it!!!

, 02/24/2024

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Adam, Lloyd, James and Gary are all incredible guys. The whole crew over there is wonderful! Repairs are fairly priced. The guys are all honest, kind, and very good at explaining the work. Auto Choice is a professional, service-oriented local business and I’ve been coming to them for repairs, auto advice, and service for 10 years! I recommend Auto Choice HIGHLY. I once went to another chain/corporate garage for a major repair (timing chain) only because they offered 0% interest financing. Long story short, this ended up costing me almost $16k and I didn’t have a working car to show for it. Expensive lesson. I haven’t gone anywhere but Auto Choice since. I can’t recommend Auto Choice highly enough!

, 02/09/2024

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Awesome people friendly service done right

, 02/02/2024

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