FacebookGoogle +

Call us for all your car needs! 717-626-5706

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 717-626-5706 or make an appointment online!

ASSOCIATIONS

  • IDENTIFIX
  • ALL-DATA
  • WIX
  • INTERSTATE BATTERIES
  • JASPER
  • Car Care Aware

Testimonials

  • Great experience! Friendly reception staff, and comfortable area to wait. Complimentary coffee was a plus. Fair pricing and fast service. I will return with my vehicle in the future.
    -Alicia B.

  • Today was my first time using Garman' s garage for a service. Due to my own error, I was not on time for my appointment, but they kindly did my service anyways. The waiting area was nice, and it felt welcoming. All the staff was very nice. I requested my tires to be rotated, however they were too bald. I was not aware Garmans also does tires (very convenient). I did comparative tire shopping, and they were able to get me the best deal. I will be a repeat customer!
    -Brittany M.

  • I have taken a few of my trucks here, my appointments were always completed on time, thorough and affordable. I would recommend this garage.
    -Gareth F.

  • Excellent service and they got my car in right away when I called. Ty so much!!
    -Carolyn H.

  • Good service good prices. Highly recommend!
    -Leroy P.

  • Very nice, they towed my vehicle when I was in an accident.
    -Madison C.