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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 517-962-5704 or make an appointment online!

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Hands down, without a doubt, the best, most honest and reliable mechanic shop around. The wife and I have used this shop on multiple occasions now for both repairs and maintenance and they have always done great work and they do it quick. Called them first thing this morning when my truck began making a concerning sound in the front end and they got me in immediately. The problem was diagnosed within 10 minutes of arriving. I was given a more than fair estimate and got a text a few hours later notifying me my repair is already complete. I will never go anywhere else at this point. They fixed the air suspension on our cadillac the same day we dropped it off when nobody else would even look at it. Very friendly staff who treats you like family rather than just another faceless customer. Look no further, best shop in the mitten! Make these guys your go to mechanics.
~ , 06/25/2025
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Since my wife and I moved into the Jackson area a few years ago we have trusted JD Auto Service to ensure our vehicles stay up to par. Though vehicle repairs are never desired, it is inevitable and trusting this team with your vehicle is the best decision made to get back on the road.
~ , 06/23/2025
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