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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 717-776-4441 or make an appointment online!


Partners

ASE (Automotive Service Excellence)
Jasper
NAPA
ati
Pennzoil
Synchrony
Car Care Aware

What our clients are saying about us

We have established longterm and stable partnerships with various clients thanks to our excellence in solving their automotive needs!

Steve was very helpful and went out of his way to do so. Very much appreciated thank you! quotes-image
, 05/31/2022
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From start to finish Zimmerman's was open and honest. The repairs that were needed would have easily cost well over 10k anywhere else. Not at Zimmerman's, all the work that was done was well below 10k. I couldn't be happier with the service that I received. They stayed in contact with me every step of the way. This was my first experience with them since I'm new to the area. The work they did was immaculate. So much so that I put my second vehicle in the shop for some repairs and they found out the issue and had it repaired within 2 days. They have a guaranteed customer that will surely return anytime one of my vehicles need work done.quotes-image
, 04/01/2022
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