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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636-441-8121 | 4600 Central School Rd Saint Charles, MO 63304

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 636-441-8121 or make an appointment online!


What Our Customers Are Saying

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Always good work and fair prices. I have a Tahoe that I purchased new that now has 340,000 miles, and a bunch of Jeeps with 240,000 miles apiece, I credit Kar Tech for giving me the ability to keep my autos on the road so long.

, 05/19/2020

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Knowledgeable, Efficient, and Honest! Kar Tech diagnosed the problem, called me with an estimate, and completed the repair - at a very reasonable price!! I highly recommend this place!

, 05/19/2020

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Great people who have gone above and beyond to get my truck on the road. Honest and very fair. I couldn't ask for anything to have gone better.

, 05/19/2020

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I have used Kar Tech for the last 10 years with 3 different vehicles. I feel so safe and comfortable taking my car to them. I get honest feedback. The prices are great and the service is awesome. They always get me in quick and are great at explaining everything to me. I appreciate having them as my go-to more than they know. Thank you!

, 05/19/2020

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Nice family owned business who knows what their doing!

, 05/19/2020

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Friendly service and great prices. This has been my only mechanic for 15 years at least and will only go to them!

, 05/19/2020
  • ASE Master Technician
  • NAPA AutoCare Center
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  • Jasper
  • MITCHELL 1
  • Draeger
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  • Call Us For Service: 636-441-8121