Working Hours
  • Mon 7:00AM - 4:30PM
    Tue 7:00AM - 4:30PM
  • Wed 7:00AM - 4:30PM
    Thu 7:00AM - 4:30PM
  • Fri 7:00AM - 4:30PM
    Sat Closed
  • Sun Closed
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724-349-6996 | 97 Sexton Rd Indiana, PA 15701

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 724-349-6996 or make an appointment online!


What Our Customers Are Saying

Adventuring all of the time is a lot of ware and tear on a vehicle. I trust this auto shop as a frequent and returning customer. I never feel like they just **look for things** to charge me for. The pricing looks fair and honest on each receipt. The service is kind and inviting. Plus, they are very good at communicating with their customers. Thanks, Hammill's, for fixing up my ride so that I can continue on my adventures in a safe and reliable vehicle! (I own a 10+ y/o Toyota)

, 11/08/2023

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Great service as usual.

, 07/27/2022

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Always a good experience

, 12/01/2021

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Was very professional and very polite. Showed up when he said he would and was very reasonable with pricing. Will see use his service again. And also would refer others to him as well

, 11/27/2021

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Eric and his team have always gone abovs and beyond for me and my family. Great garage great service

, 11/26/2021

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Top notch service. Very efficient and friendly. Explains everything.

, 07/26/2021

  • Jasper
  • IDENTIFIX
  • NAPA
  • AAA Approved Auto Repair
  • Interstate Batteries
  • Repair Pal Certified
  • Car Care Aware
  • Call Us For Service: 724-349-6996