When you’re involved in an accident, dealing with insurance companies can be just as stressful as the collision itself. At Zombie Auto Works, we know how frustrating it can be to navigate the claims process. The good news? Getting your insurance to cover collision repairs doesn’t have to be a nightmare—if you know what to do.

Here’s a simple guide to ensure your claim gets approved quickly and without unnecessary headaches.

After an accident, report the claim to your insurance company as soon as possible. Most policies require prompt notification, and delaying could cause unnecessary complications. Be ready to provide:

    •    Your policy number

    •    The date and location of the accident

    •    A brief description of what happened

    •    The other party’s insurance information (if applicable)

Pro Tip: Stick to the facts when speaking with your insurer. Avoid admitting fault or offering unnecessary details that could be used to reduce your claim.

Before you start the repair process, it’s essential to understand what your insurance covers. Policies typically include:

    •    Collision Coverage – Pays for damage to your vehicle regardless of fault.

    •    Comprehensive Coverage – Covers non-collision damage (e.g., theft, vandalism, weather-related damage).

    •    Liability Coverage – Covers damages to another driver’s car if you were at fault (but won’t cover your own repairs).

If you have rental reimbursement coverage, you may also be eligible for a rental car while your vehicle is being repaired.

Pro Tip: Not sure about your coverage? Bring your policy to Zombie Auto Works, and we’ll help you figure out what’s covered.

Many insurance companies will try to steer you toward their “preferred” repair shops. But did you know you have the legal right to choose any collision repair shop? At Zombie Auto Works, we work with all insurance companies and fight to ensure your repairs are done correctly—not just cheaply.

Pro Tip: Insurance companies may try to lowball your estimate. A reputable shop like ours will negotiate on your behalf to ensure you get factory-quality repairs, not just the cheapest fix.

A proper estimate includes:

    •    A breakdown of labor and parts

    •    The cost of OEM (original equipment manufacturer) vs. aftermarket parts

    •    Any hidden damage that may require additional repairs

We provide free, detailed estimates at Zombie Auto Works, and we work directly with your insurance company to streamline the approval process.

Pro Tip: If the insurance adjuster tries to cut corners, we’ll advocate for you to ensure they cover the full cost of proper repairs.

Sometimes, hidden damage is discovered after repairs begin. If this happens, don’t panic—your insurance should cover these additional repairs through a supplement claim.

At Zombie Auto Works, we handle supplement requests for you, ensuring the insurance company approves the extra repairs without delay.

Pro Tip: Never agree to incomplete or improper repairs just because the insurance company doesn’t want to pay more. Your safety is the priority.

Many insurers will push for aftermarket or salvaged parts to cut costs. However, these parts may not meet the same safety and performance standards as OEM parts. You have the right to request OEM parts, depending on your policy and state laws.

Pro Tip: If your policy allows for OEM parts but your insurer refuses, ask them to put their denial in writing. This often forces them to reconsider.

One of the biggest headaches of an insurance claim is the paperwork. That’s why Zombie Auto Works takes care of it for you. We communicate directly with your insurance provider, submit the necessary documentation, and keep you updated every step of the way.

Pro Tip: If you ever feel like your claim is being unfairly denied or delayed, a professional repair shop like ours can help you push back against the insurer.

Once repairs are complete, we’ll do a final quality inspection to ensure everything is back to pre-accident condition—or better. We’ll also go over the work with you, explaining what was done and ensuring your satisfaction before you drive away.

Pro Tip: Always review your final bill to ensure there are no unexpected charges. At Zombie Auto Works, we’re transparent about pricing, and we’ll never surprise you with hidden fees.

Why Choose Zombie Auto Works for Your Collision Repairs?

    •    We work with all insurance companies and fight for your full repair coverage.

    •    We use high-quality parts to ensure your vehicle is safe and roadworthy.

    •    We handle all insurance paperwork to save you time and stress.

    •    We provide free estimates and ensure you get the best repairs possible.

Getting your insurance to cover collision repairs shouldn’t be a battle. At Zombie Auto Works, we make the process easy and hassle-free. If you’ve been in an accident, give us a call or stop by—we’ll handle the hard part so you can focus on getting back on the road.

Contact Us Today for a Free Estimate!