16150 Main Circle Drive Chesterfield, Missouri
(888) 781-1033

Frequently Asked Questions

Q: I’ve had a mechanical breakdown. How do I start a claim?

A: Use all reasonable means to protect your vehicle from further damage. This may require you to stop your vehicle and call for roadside assistance and arrange for your vehicle to be taken to a licensed repair facility. Describe to them your concerns, and authorize the necessary diagnosis. The repair facility will need to diagnose the concern to determine what component caused the failure. Call our claims department at (888) 781 1033

Q: Where can I take my vehicle to get repaired?

A: Contact our team at (888) 781 1033 or 888-246-2014 (Auto Knight).

Q: How do I get a rental car

A: Your contract has a benefit for rental car assistance for covered failures. You pay at the time of rental and we reimburse you. Or, contact us about direct billing options using Enterprise rental car agency.

Q: Who is going to pay the shop for the repair and how?

A: All authorized benefits are paid directly to the licensed repair shop using a direct credit card payment after we receive confirmation of completed repair, and an invoice from the licensed repair facility.

Q: I paid for a repair and want to know if and how I can be reimbursed?

A: All Omega contracts require prior authorization, however, for emergency repairs which require two or fewer hours to repair, you may authorize the work to be done and then contact our claims office during business hours. 877-850-0443.

Q: Do you pay for all the parts and all the labor?

A: Labor times will be verified by a nationally-recognized labor time manual. Approved replacement parts may not exceed the manufacturer’s suggested retail price.

Q: Why must I keep maintenance records?

A: You must keep and make available verifiable service receipts which show that the maintenance has been performed within the time and mileage limits required. Your contract excludes benefits on any damage caused by a lack of recommended maintenance.

Q: Who approves diagnosis and/or tear down on the repair?

A: You are responsible for authorizing all diagnoses needed to determine if your vehicle has a covered mechanical breakdown. If it is determined that the repair is needed due to a covered breakdown, we will pay for this part of the repair. If the failure is not due to a covered breakdown then you will be responsible for this charge.

Q: Why did RepairBanc deny or not cover a repair?

A: Please refer in your contract to the listing of “covered parts”, and the listing of “what is not covered, exclusions”. In many cases, the component your repair shop is asking to repair or replace is not specifically listed in your contract for coverage. Or, there may be an excluded condition which caused the failure. We encourage you to please call and we’ll help you with specific details: (888) 781 1033.

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