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 314-427-2840 or make an appointment online!Partners
What our clients are saying about us
We have established longterm and stable partnerships with various clients thanks to our excellence in solving their automotive needs!
Drove in from Ohio Friday night. Car broke down on busy I-70. Called AAA for auto shop recommendations, they gave me two that were the closest. Called the first only to be told can't help us. Second call was to Floyd's. They said get car there in the morning and we'll look at it. Dropped car off, spoke with Nikki and left. Returned a few hours later and was told all checks came back good (no codes or mechanical history showing why it broke down). They ran car thru the paces and still found all okay. I cannot thank the team there that Saturday enough for looking into our car issue. This allowed us that peace of mind to drive back home. We highly recommend Floyd's to everyone who has auto needs. They are fair, friendly and go well above expectations for service.
I drove to St. Louis area for a business meeting. 6 hour drive. Had some issues with my Dodge Durango on the way down, but made it in time for my meeting. When meeting was done for the day(around 6:30) I tried to start my car and found it would not start. I called Floyds. They had a tow truck there within an hour. The next day, by 2 pm they had left me a message saying it was fixed and I could come and get it. AND...the price for towing and repair were acceptable. Very fair and car now works as it should. Thank you Floyds.