Wicke Auto Service and Body Co.
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 314-533-0339 or make an appointment online!
OUR REVIEWS
Jeremiah Kirsch, 07/09/2024Jeff and the entire Wicke team are the epitome of an honest, efficient, and customer-first business, and I would recommend their operation for any car issues! They are well worth the drive across town! I've been taking my older car soley to Wicke for 3+ years now, and each time I left appreciating the great service and no-nonsense, fair price for the work performed. From saftey inspections, tire & windsheild repair, to brake and exhaust issues, each time they have effectively diagnosed the problem, called me before repairs with multiple options and price points, and offered an honest opinion on what I should do considering my car's age and mileage. This includes 2 times where they actually made less money because they gave an honest assesment of what was needed/not needed. Wicke Auto Shop is my trusted shop for any car repairs, and I will continue to go there with all of my vehicles in the future! Their attention to detail (including even putting away my spare tire and jack after a tire repair) does not go unnoticed, and their effeciency to return your car on the same day is quite impressive. Over the last 3 years, Jeff and team have saved me atleast $2000 over multiple issues and kept my car running well. I appreciate all they've done for me and would recommend them to anyone in need of car repair/maintenance. They are a hidden gem in STL!
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