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 631-924-9292 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 was looking around for a classic Volkswagen specialist to restore my original 1968 Meyers Dune Buggy for quite a few months. I checked out places as far away as upstate New York, Connecticut and Rhode Island . I finally came across Pete B service after someone I met told me there was a great group of classic VW specialists at Pete B in Middle island . After going down to there shop and meeting Dirk and his crew I knew they were the right guys to work on my classic VW They did a fantastic job restoring my dune buggy. When I purchased my car it was sitting in a warehouse for over 35 years and needed everything. Dirk, Rich and Tom replaced parts when needed and rebuild the steering, brake system, fuel system , complete wiring harness and installed an engine I purchased for the car. It now runs and looking amazing!! Their attention to detail is top notch. The work was completed on schedule and to the original quoted price. As a bonus , Dirk the shop owner raced sand rails and is involved in off road racing. So he knows how to assemble your ride for on and off road use I highly recommend Pete B Service . If you have a classic VW I would not go anywhere else. 5 stars
I have a 1974 VW Karmann Ghia that Dirk has done work on. I would Not trust it to Anyone Else! He is a perfectionist with the work he performed and the care he takes with my VW classic Car. Peter B of Middle Island is the Best!