Frequently Asked Questions

1. I need to file a claim. Who should I call?
2. What are your office hours?
3. I can’t find my Auto ID card. Who should I call?
4. I need to make a payment. Can I bring it to you?
5. Do I have coverage if I rent a car?

1. I need to file a claim. Who should I call?
   
   Your insurance carrier wants you to report claims directly to them.
   
   It helps to speed the response time from your assigned claims adjuster, and ensures that all the necessary details are collected to begin processing your claim.
   
   You can find claim reporting numbers on our claims page.
   
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2. What are your office hours?
   
   We generally keep office hours from 9am to 5pm Monday through Friday and we close over the lunch hour.
   
   If you need to come by the office, we strongly suggest that you call first so we can be available for you.
   
   We’ll also try to accommodate if you need an appointment beyond regular office hours.
   
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3. I can’t find my Auto ID card. Who should I call?
   
   If we’re in the office at our computer, we can email or fax you a temporary ID card in minutes, just call us at 417-881-0124.
   
   If you can’t reach us, go to the policy service page, find your insurance carrier and call the customer service number.
   
   
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4. I need to make a payment. Can I bring it to you?
   
   You can, but there’s probably an easier way and we don’t keep cash here so we can’t make change.
   
   Best advice is to go to the claims & payments page and find the billing phone number or billing page link for your insurance carrier.
   
   Most all carriers now accept credit cards or checks by phone as payment methods.
   
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5. Do I have coverage if I rent a car?
   
   The short answer is, in most cases, the insurance coverage you have on your own car, including the deductible you selected for comprehensive and collision, will apply to a car you rent, provided you’re using it for recreation and not for business.
   
   If you dropped the comprehensive or collision coverage from your own car, then you won’t have that coverage to extend to a rental car, and you’ll need to buy the Loss Damage Waiver from the rental agency.
   
   There are other issues with rental car contracts that may conflict with, or not be covered by your insurance policy. We recommend you make two phone calls for additional information. The first one to your own insurance provider to see how your policy will respond, and the second one to the credit card company you’ll be using to rent the vehicle since many of them also offer protection for rental cars.
   
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