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 417-725-2745 or make an appointment online!
Know Your Rights
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Talk about service! Thank you for taking such good care of my old car & me! You are appreciated!
Joe and Andy can fix problems other shops pass on. They are trustworthy and fair. I wouldn't trust my cars with anyone else. They are the best!
Great service, and without a doubt, one of the best places to take your vehicle.
They have worked on my daughter's VW twice and have gone above and beyond for her. I have a Mitsubishi, and now I know where I will take my SUV for service. Very impressed with their professionalism and willingness to make sure the customer is satisfied! The best experience I've witnessed in a long time!
Joe and Andy at EMS are fantastic. They provide me with routine maintenance notices and inspect my car each time I am in. This is important to someone living on a fixed income, because I can plan for upcoming expenses. Keep up the great work!
Fantastic! Joe took great care of me and got straight to the point. Super friendly, great price.
EMS service is professional, thorough, friendly and much less expensive than other repair shops.
Joe and his team always take great care of my Volvo. I can always trust them to do it right at a fair price. I wouldn't take my car anywhere else.