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 715-865-2581 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!
I cannot say enough great things about Paul and Midway Automotive! I had a flat tire, limped into Midway and Paul took the time to look at my tire to see if it could be fixed. Unfortunately, it was not fixable and Paul did not have the tire I needed, but he put my spare on and gave me a few names to call to get a tire. In addition, he did some calling on his own to see if he could find a used tire for me! What a great guy! He did not have to do that, but went over and beyond to help! I would take my car or truck to Paul and trust him completely to do whatever I need! Midway is a little treasure in Stone Lake! No need to go to the bigger cities when Paul can help!
We found ourselves in need of an automotive shop to look at our car. Being from out of state, we contacted the nearest shop, Midway Automotive, Inc and hoped for the best. We were not disappointed. They got us in quickly, assessed the issue, and got us on our way the next morning; honest with what needed to be done and didn't overcharge us! I wish they were located where we live as I would take my cars to them every time! Thank you, Paul and your mechanics for a job well job.