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 973-227-3452 or make an appointment online!
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!
This is our first time posting an online review, but it couldn't be for a more deserving business with such exceptional employees. Fisher Transmission and Steve are a true class act! If there would be an option for 100 stars it wouldn't be enough to recognize their outstanding service, caring and competence. We were with our whole family in our RV on the 280, far from home, when smoke billowed out from the undercarriage late Thursday night. We waited until Friday morning and contacted a mechanic which had high online ratings who although was unable to handle a 35 foot Motorhome highly recommended we get towed to Fisher Transmission, saying as we found out for ourselves, they are truly top of the line. The heavy duty tow truck driver said the same when towing us - and oh were they correct! Upon arriving, Steve came out with cold water bottles - unasked - understanding we were stuck at the side of the road for many hours, and although he was booked solid, took from his own lunch break time to see if he can help us get back on the road. His demeanor, both humble and professional, with such calmness - was so remarkable and reassuring during the stressful experience. When he realized that our transmission would not be able to be repaired in time for our weekend trip to continue as planned, he generously offered us to leave our Motorhome in the lot over the weekend and rent a vehicle locally so we could join our friends for our weekend trip. Although the experience was definitely traumatic, meeting such exceptional people like Steve, made for the most wonderful memories. If you would like to speak to us personally please reach out to Steve - we gave him permission to give out our number - it's the least we can do to recognize such an extraordinary establishment staffed by such exceptional people.
This shop is knowledable and stands by its work. Very reliable. Other mechanics know them as experts in their field.