
Auto Insurance FAQs
Auto Insurance FAQs
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.
Who do I call to file a claim?
Reach out to your agent or insurance provider. If someone else is liable for your damages, it's essential to also get in touch with their insurance agent or company. The assigned adjuster will then guide you on any further necessary actions.
What does my policy require me to do after an accident?
Inform your insurance provider about the accident's details, including the time, location, and circumstances of the incident. Provide the names and addresses of individuals injured in the accident as well as any potential witnesses. Collaborate fully with the investigation process. Lastly, acquire or grant authorization for your insurance company to secure necessary documents, medical records, and relevant information.
Want more information on your rights? To make an appointment, call us at 717-285-4833 or make an appointment online!
Contact Us Today!
Got questions? We've got answers! Drop us a line, give us a call, or even stop by. Our team is eager to help you with any auto repair needs you have. Let's get you back on the road safely and swiftly!
What Our Customers Are Saying
McKonly's Garage was fantastic. They got my car in for inspection and emissions and I got a detailed report later that day. I love the report because it breaks down all recommendations for services and whether or not they are required or just regular maintenance. The service was fast and easy and they called me back within the hour to pick up my vehicle. Highly recommended!!! I love supporting a family owned local business instead of going to Pep Boys!
Great place to go. Easy to work with and set up appointments. Took my car in for inspection and they show you what proactive maintenance you need to keep your car running smoothly. Will inform you with any questions you have about it . They are very knowledgeable about their trade there.
McKonly's Garage offered a car care workshop for my troop of Senior Girl Scouts last week. The technicians were helpful, thorough, patient, and really great with the kids. They taught the girls valuable skills for car maintenance and safety. They were incredibly generous with their time and talent. Not only is McKonly's Garage a great family business to work with, but they truly care about the community.
These guys were great. My car's front axel snapped and they were able to get it in and fixed right away for a good price. They were prompt, professional, and honest. They made some additional maintenance recommendations but didn't pressure me into spending more money than I had to. Definitely will be back!


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