Steve's Car & Truck Services
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 920-648-2766 or make an appointment online!
OUR REVIEWS
Tires, near Lake Mills, WIBarbro Andren , 05/29/2025I was in Lake Mills this morning running an errand. I live in Cambridge (which by the way it’s not on your drop-down list. It’s only about 10 miles away so definitely worth the drive.) Anyway I was driving through town and my tire light went on. I pulled into a gas station and their tire gauge was broken, but the guy there said to me “See that building over there?” I said yes, and he said “Go over there. They’ll help you. He’s a really nice guy.” So I drove over to the back of the building, (Steve’s) and I ran into a really nice guy (Steve) working on a car at the back of the shop. I asked if he could help me, and he said sure, just go have a seat upfront, and indicated he’d take a look at it as soon as he could. They were crazy busy. I’ll be here for awhile, I thought. I went up front and explain my dilemma to Cassy in the front office. I was planning to leave at 7 o’clock tomorrow morning to drive to St. Louis, but when Steve, within minutes, showed me the size of the hole in my tire. I knew that was not going to happen. I have a Volkswagen Tiguan, four-wheel-drive, and tires are not easily found. But Cassie was on it and located some that could be delivered and put on the next morning. Meanwhile, Steve put my spare limper tire on, and all the while I was talking back-and-forth with a service guy at my car dealer in Madison. I learned my tires were under warranty and that my roadside assistance would take care of it (whew) but only if the work was done by them in Madison. I asked Cassy what I owed them, and was tempted to pay them double just to make myself feel better. It was beyond reasonable. I thanked Steve and Cassie profusely and actually felt bad that a warranty thing couldn’t be covered there. (But not sorry to save big bucks.) Meanwhile, another customer had been telling me how she’s been going there for 37 years, and that she couldn’t imagine going anywhere else. No kidding. If your car needs literally anything done to it, run don’t walk, to Steve’s. It’s one of those places that’s just like America used to be. Although all they did was change my tire, they absolutely made my day, and kind of restored my faith in humanity a little bit. Yay, Steve’s! Thank you!
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