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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 503-293-5386 or make an appointment online!

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You Guys Kick arse!! Thank for the work you do!! The power from 3K to 5K has improved and it has a quicker response. Great upgrade for the money!! Thaank you!!

Marque Motors was recommended to me by several of my 'German Sport car owning' friends. Kurt was very generous with his time to help me understand the differences of the cars that I am researching to purchase (Porsche vs. Audi). He gave me some excellent pointers that I would not have thought about before pursuing a purchase. I will definitely bring the car to Marque for a full pre-purchase inspection when I identify it, and any service and repairs as well. I believe they are an excellent resource!

I've taken a number of Porsches to Kurt over the past 15 years or so. They do careful work, give great advice, and have been very reasonably priced.

I was recommended Marque Motors for a pre-purchase inspection on a Porsche Boxster in Portland. I don't live in the area and hadn't actually seen the car myself, so the inspection was really important to me. Kurt was great and gave me all the information I needed to make an informed purchase, taking time to explain the report details over the phone and answering any questions I had. The inspection also cost me less than I was originally quoted which was nice! If I was anywhere near the area, I'd definitely be going back to Marque Motors for any work my car might need in the future.

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