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 314-428-4000 or make an appointment online!
Contact Us Today!
Got questions? We've got answers! Drop us a line, give us a call, or even stop by. Our team is eager to help you with any auto repair needs you have. Let's get you back on the road safely and swiftly!
What Our Customers Are Saying
I'm a 28-year-old female professional, who has spent many years as an extremely WARY customer of auto shops. This sense of distrust was a result of a myriad of bad experiences with mechanics who took advantage of my lack of knowledge for cars. HOWEVER, I would HIGHLY RECOMMEND putting your faith in Greg's Auto Service and Repair. This is a remarkably well-run business, operated by an owner who actually cares about his customers - not an ounce of greed in this man's heart. My car was in dire need of good attention, and that's exactly what it got. I'm so thankful I stumbled across his business, and I wouldn't take my car anywhere else after working with Greg and his wife Marsha. What a team! This is a MUST-GO repair shop.
St. Louis, MO
Wonderful service. We have had several of family cars repaired at Greg's. Trust and fast service.
St. Louis, MO
I've never met a more honest repair shop. They are fantastic. Fast. Reasonable and they don't try to sell me something I don't need. My friends turn me on to Greg's and I'm really happy they did. If you want to feel safe, looking for a mechanic, then I recommend Greg's Auto.
St. Louis, MO
People there are extremely nice! When I walk in or call them you instantly feel like a friend that you've known for a few years. That's how well they treat you, you never feel like just a business opportunity it's more of friendship. Highly recommend you go to them for service if you ever need it.
St. Louis, MO
