INSURANCE QUESTIONS

INSURANCE QUESTIONS


Know Your Rights

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.

Want more information on your rights? To make an appointment, call us at 573-818-1455 or make an appointment online!


Reviews

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Thomas and the staff at CT automotive are top notch. We take both our cars there because Thomas is an honest guy with a lot of expertise and he's going to give it to you straight. They worked on my Subaru recently and they did a great job. They told me what to expect going forward and had kept me updated throughout the process. I highly recommend CT Auto for your cars needs. Thanks Thomas, Ashley and everyone over there. You guys are awesome!

, 06/19/2022

I've been coming to CT Automotive for about 3 months now. In that time, I've had about 4 repairs done ranging from putting on headlights and side mirror to radiator service. Mike at the front has always been really nice and thorough when explaining what my car needs. They also helped me with a ride to my house while I waited for my car. Overall, the cost of services is a bit on the pricey side if you choose to use their parts, but they will also install customer provided parts, which is a huge plus. Service is always friendly and the work done on my car has always been reliable! CT Automotive is always my first choice for car repairs

, 06/06/2022

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They really did me a huge favor by taking time out of their busy schedule to help me with my car problems. He was super informative 40 solved the problem and didn't just make something up get my money. I will definitely come back to the shop if I'm ever again in the area and need work done. Thank you so much!

, 06/01/2022

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