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 860-623-3599 or make an appointment online!
What People Say About Us
Working with Wayne at Bradley Automotive exceeded expectations. Professional, personable, and sensitive to customer's concerns.Excellent service!
Wayne always does a great job getting repairs done as quickly as possible. I've never NOT had my car back the same day; even when I call him at 10:00 am in a panic because something broke on my way to work. Always honest and reliable.
I've been a customer of Bradley Automotive for 17 years. Wayne and his crew never stop amazing me. Be it questions I have on my vehicles or technical support, I always get a straight answer with no attempt to sell me products or services I don't need. I would recommend Bradley Automotive to anyone in need of professional automotive service at a reasonable price.
My experience at Bradley Automotive was very nice. I was given the pleasure of having my car worked on by friendly reliable mechanics. I felt my car was repaired for what was wrong with it and nothing more. I would recommend Bradley Automotive to friends and family.
This wonderful and Honest auto center works on all of my SUVs and cars with always great results and fair pricing. I am writing this for all to know the you can patronize a family owned business and stay away from the CHAINS and not get Manipulated to buy services that you don't need. I have been a patron of Bradley Auto for several years and wish them the best and say THANK YOU!
I've always had a positive experience with Bradley Automotive. Wayne and the staff have always been professional and honest with assessments and repairs needed.