Working Hours
  • Mon 8:00AM - 5:00PM
    Tue 8:00AM - 5:00PM
  • Wed 8:00AM - 5:00PM
    Thu 8:00AM - 5:00PM
  • Fri 8:00AM - 5:00PM
    Sat Closed
  • Sun Closed
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940-627-5121 | 802 N Miller St Decatur, TX 76234

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 940-627-5121 or make an appointment online!


What Our Customers Are Saying

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Took my truck in to Flusche Auto to get my ac fixed and they got it done fast. Mr. Flusche was friendly and honest. Told me everything I needed to get my truck ac working right. He probably could have charged me more with all the problems they ran into but they didn't. I am glad I found a good mechanic with fair prices. I will be taking all my vehicles here.

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Simply the best!! Integrity with exceptional service. Highly recommend

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I can truly say this is one of the best automotive maintenance shops in Texas. He will give you advise, giving an estimate and explain the problem in detail with no pressure. The owner is well educated, honest and cares! Thank you Phillip! For those of who are quick to give an unfair review you need to educate yourself when it comes to the maintenance of your own vehicle.

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The Flusche family has been taking care of our cars and trucks for many, many years. Phillip is dependable, knowledgeable and honest! His estimates are accurate and prices competitive . His advice is spot on. He stands behind the services he provides. His auto business is an asset to our community, and we highly recommend him.

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Always great customer service and very nice!

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Nicest people and honesty to The max.... The epitome of southern hospitality..... Not sure how I can recommend them more than five stars!

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  • Call Us For Service: 940-627-5121