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INSURANCE QUESTIONS

Working Hours
  • Mon 7:00AM - 6:00PM
    Tue 7:00AM - 6:00PM
  • Wed 7:00AM - 6:00PM
    Thu 7:00AM - 6:00PM
  • Fri 7:00AM - 6:00PM
    Sat Closed
  • Sun Closed

INSURANCE QUESTIONS

Know Your Rights

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.

Want more information on your rights? To make an appointment, call us at 920-766-7889 or make an appointment online!

What People Say About Us


  • -Neil G.

    Jeff and his crew do a great job fixing my SUV. They are very professional in what they do. I would refer them to anyone.


  • -Mellissa S.

    Jeff and crew are great Wouldn't go anywhere else and will refer them to everyone.


  • -Chuck S.

    Excellent work. Very knowledgeable. Very Friendly. Highly recommended.


  • -David E.

    Great friendly service. Very knowledgeable have been going there for over 20 years. Highly recommend them!


  • -Cheryl C.

    I have been going to Ruffing Automotive Service for the last 8 years. I like working with Jeff Ruffing. He is honest and down to earth. His recommendations are based on what needs to be done and he will always tell me if something can be put off for a while. I can always get my vehicle in and even get a courtesy vehicle if needed. He makes me feel like a family member is taking care of my vehicles.


  • -Bill R.

    I've known Jeff for a long time. Very honest with the work that needs to be done. Very happy with taking my vehicles to him!


  • -Mary G.

    To someone like me with no knowledge of cars, they take the time to explain things so that I can understand them, without feeling overwhelmed or intimidated. Trustworthy with fair prices!


  • -Linda M.

    They are always on time and gave me a ride home while my car was being repaired. Top Notch!


  • -Bernie K.

    They have a very neat and clean place of operation, and do a complete job of repairs. They will tell you every thing you need and give you a good price for the job they do.


  • -Miguel V.

    Excellent customer service and competitive pricing. Happy to have it so close to home!


  • -John H.

    Jeff and Joe are easy to work with and I especially appreciate the use of a loaner vehicle for more complicated repairs. They give me an estimate and that's what I pay. They also have a fast turn around time.


  • -Neil G.

    Jeff and his crew do a great job fixing my SUV. They are very professional in what they do. I would refer them to anyone.

Call us for service: 920-766-7889

ASE (Automotive Service Excellence)
IATN (International Automotive Technicians' Network)
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