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Call us for all your car needs! 254-776-6839

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 254-776-6839 or make an appointment online!

ASSOCIATIONS

  • ASE (Automotive Service Excellence)
  • BBB Accredited Business
  • BG Products
  • Car Care Aware

Testimonials

  • Great place of business with friendly customer service. Prices are very affordable compared to dealership prices.
    -Terrance W.

  • These people are honest and fast! I trust them to do the work I want and only suggest work that really needs to be done.
    -Allyson D.

  • Experienced staff,quick on the schedule,timely notification if accessing parts is a problem.Highly recommended!
    -Steve R.

  • Great service very detailed on information. With great prices here in Waco!! Will start recommending.
    -Cecilia E.

  • More than helpful! Great place!
    -Timothy Y.

  • Had a great experience with Luikart's! I have a 2011 Volvo C30 with over 110K miles and one day the engine started whistling and vibrating badly. Took it over and Ken immediately knew what was wrong and did a great job repairing- no problems since. The price was very fair after a search online. The folks are very friendly as well- would highly recommend to anyone.
    -Peter A.

  • I love Luikart's. I have always trusted Kenny and his crew, and I haven't been wrong. I drive a 2001 Ford Sport Track with 260,000 miles and still going strong. Sure, it's a great truck, but Kenny's service has had a lot to do with keeping it running smoothly and being fuel-efficient. Thanks guys!
    -Cheryl L.

  • Every time I've had a vehicle repaired there I have had fantastic results.
    -Howard S.

  • I can’t say enough good things about this place. The people at Luikarts are genuine and don’t try to upsell you. They get things done in a timely manner, they use OEM parts, and they are very patient and willing to answer all of your questions. I’ve gotten all of my spark plugs re done here as well as getting my low beam lights replaced and they have made it such a smooth process. HIGHLY RECCOMMEND.
    -Paris C.

  • My daughter is a Baylor student and we always take her car to Luikarts for oil change and repairs. They are so friendly and make every effort to fix your car. If they can’t then they will tell you what you need and where to get it checked out.
    -Joni S.

  • Lifesaver! Visiting Waco for a wedding. Our 2011 Volvo started making a terrible noise and the Check Engine Light came on. Closest Volvo dealer in Temple. Found Luikarts with google and walked in when they opened. They were stacked up but offered to try to get to it in the afternoon. Recommended another service provider, but when I called them, they gave me the same story. They had cars lined up and probably could not get to it till afternoon and any repairs probably not till the next week. Called Luikarts back with that information, they said come back down and they would at least try to determine the problem. End result. They got it fixed by 4:00p at a reasonable cost. Highly recommend them.
    -Mark P.