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 314-733-5455 or make an appointment online!what our customers say
My 2000 BMW 323i broke down and would not start near St. Louis, MO during my drive from Cincinnati, OH to Los Angeles, CA. They towed my car to the auto shop and replaced the alternator. Although the shop closes at 5:30 pm and my car arrived after closing hours, they stayed until 8:00 pm to complete the job. I found the shop to be honest trustworthy and they changed a reasonable price for the work. I was able to continue my trip with only a two-hour delay. I consider myself lucky to have my car breakdown near this shop. I highly recommend this shop. They did an outstanding job.
Honest and professional repair shop! I can't say enough positive things about the crew and owner of this shop. If I could add an extra star I would.... This is the type of shop you look for to regularly service your vehicle. On a recent road trip from PA to Colorado we had a mechanical issue that required immediate assistance. We were able to limp the vehicle into the shops parking lot on a Friday night at closing time. The owner and his son didn't shoo us away but instead put the vehicle on a lift to determine if they could get us back on the road. After about an hour, they made the necessary repair and we were on our way. The price was fair... actually better than fair considering our circumstance. Great guys with integrity and an exceptional sense of humor. Make this your "go to" shop.... I would if I weren't 600 mile away. Thanks again guys!
