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 503-639-1768 or make an appointment online!
My wife & I were out running errands on a Friday. There wasn't a hint of a problem with our car at any time ... until it wouldn't start. The feeling of dread was unavoidable. Friday. Mid-afternoon. Expensive? We had reservations for a stay at the coast Saturday. Now what? After getting a jump, we kept it running, trying to find somewhere to take it. We tried our usual place but told we'd have to leave the car & pick it up in a couple of days because they were short staffed. We stopped by Henderson on a chance they could help. And yes they did. Brian was terrific. He took the time to check the battery and determined I'd need a new one and new terminal connections due to a large amount of corrosion. Brian said his mechanics were busy but he would personally do it, confirmed he had the parts, told the price and said it would be done in 45-60 mins. Well, the result was that it was done, done right, at the agreed upon price within the hour. We were impressed with the work, satisfied with the fair price and blown away with the customer service. Brian has convinced us to make his shop our go to shop.
Al Glasby, 06/23/2023
The team at Henderson Auto went above & beyond & far exceeded our expectations!! The week of 9/6 we left our home in SoCal on a 4 week road trip in NoCal the battery light came on and we limped into a Ford dealership where they diagnosed a bad battery and weak alternator.they replaced the battery & sent us on our way in Beaverton we again went completely dead, called AAA which took us to a nearby Ford dealer where we were told it would be 9/19 before they could look at our F-150. I called another dealer and they sad it would be 9/30 before they could check it friend recommended we try Henderson as did the tow truck driver Henderson said it may be the 13th before they could check the truck took it to Henderson on the 8th, they did a 10 point inspection on the 9th, repaired everything that needed fixed including a new alternator (urgent), headlight, license plate light (non-urgent) and had the truck ready for a touch free pickup on that afternoon!! A gigantic thank you to Brian, Katie & their team for keeping our trip on schedule!!
A.H. (Joe) Giehm, 09/13/2021
I picked up my 4Runner today after an alignment on Monday and a recheck today. I was very pleased to see that it holds straight on the freeway. Thank you for helping me work through this issue. I also wanted to thank you very much for the new caster for which you did not charge. That is ABOVE AND BEYOND service. I will definitely keep you in mind for future work and have already told two people about you.
D Davis, 07/30/2020