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 508-987-0603 or make an appointment online!
What People Say About Us
I am on disability and severely needed 4 new tires on my car. I called around to multiple places to get quotes on tires and everywhere I called I couldn't afford, or the place was trying to get away with giving me the worst tires at the highest price. I called Cahills and got a quote for 4 tires balanced with an alignment cheaper than anywhere around, and the tires were better quality than any of the other places. All of the staff were extremely friendly and helpful. I had taken my car to the dealership 2 days prior to going to Cahills and was told there was a wheel bearing issue, and Cahills confirmed this but quoted me less than half the price for repair as the dealership. I'll be calling tomorrow to schedule wheel bearing repair with Cahills.
Wonderful customer service-called about a radiator leak and they were able to get my car in the very next day. Job was done in 1 day and just below their quoted price. My husband is pretty handy and luckily is able to take care of most maintenance and issues but for all jobs too big for the drive way, these are definitely my go to mechanics-HIGHLY RECOMMENDED!!! Thank you again for such great service!
Kerridan Banfill, 03/12/2021
Being on disability I checked all around Worcester county, not only does Cahill's have the best pricing their service is ten stars, great (owners) folks all around ! Its nice to leave a business and know that you weren't taken to the cleaners !
Great service and great prices on a set of 4 tires. Check around for the total price and Cahill beats the others.
Customer service awesome, very accommodating.
Friendly, honest, and reasonably priced service!
