Frequently Asked Questions

Absolutely not.

You may always go to the collision repair shop of your choice.


But make sure the repair center offers a written lifetime warranty.


Your auto policy allows you to go to the collision repair center of your choice, typically at no extra cost.


Many customers prefer to pay for their own repairs so that a claim does not result in higher insurance premiums.


We prefer that you make an appointment. Zara’s has flexible hours and can usually accommodate same-day appointments. The initial appointment will take 15-30 minutes where we collect basic information, take photos of damage, and complete documentation required by your insurance company.


24-hour emergency towing is available by calling 217.899.2707. Or, call one of our preferred vendors directly:

R & S Towing

Tom's Towing

Jostes Garage & Towing


Zara’s offers Paintless Dent Repair (PDR), a lower cost, high quality method to repair small dents that have not scraped or broken the paint surface. Average tie-up time for a vehicle getting PDR is one day.

It depends.

All claimants against another person's insurance company are eligible for a rental paid for by that insurance company. If a person's claim is with his or her own insurance company, rental coverage must be in place on the policy for the insurance company to pay.

Through an arrangement Zara’s has with Enterprise, rental vehicles are available on-site so customers step into their rental right at the door of our facility and simply drop the rental back at Zara’s.

Because ...

We pass along our buying power to our customers and utilize Original Equipment Manufacturer parts in place of the aftermarket, or recycled, parts, approaching every repair as if the vehicle is our own.


Zara’s is continually streamlining the repair process while increasing quality. There are even more advantages if your insurance company partners with our Repair Planning Program: no estimates necessary and only one visit needed. In general, Zara’s repair process has 50% fewer steps compared to other shops.