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 732-422-1300 or make an appointment online!
I was involved in an accident, and Circle Automotive was called in to tow and store my vehicle. For 2 months I have been back and forth with 3 different insurance companies and Circle Automotive has been a GOD SEND. They have been amazingly helpful and patient - not only offering guidance but also HELPING me get the insurance companies to move. I really cannot say enough and will DEFINITELY be using them as my repair shop once I'm back behind the wheel! THANK YOU SO MUCH CIRCLE AUTOMOTIVE!
I wish I could give a MILLION STARS. Police called for a tow. I was rescued by the owner of CIRCLE AUTOMOTIVE during the storm of 1/23/16 At 1AM off of Route 1. Not only was I rescued, He was GOD SENT, HONEST AND KIND considering the weather. I wasn't ripped off. The owner and his employees took GREAT care of me and more importantly, my Madza RX8. I pray never to have to be rescued again, but if I have to I will call them. I recommend anyone who is in need to call them too. MANY, MANY THANKS!