Often, the appraisal option is chosen when a claim is first reported. These options include:
- CAR EZ – Your simple start-to-finish, guaranteed appraisal/repair program.
- ePICS – Take and submit your own photos of your auto damage.
- Field Assignment – A licensed appraiser will be sent to inspect your vehicle.
You select a registered repair shop. The options available with any type of appraisal include:
- CAR EZ – Our highest rated priority-scheduled repair program. MAPFRE guarantees work quality for life of ownership. Search for a shop near you.
- Preferred Shop – The repair shop accepts appraisal amount and guarantees the repairs.
- All Other Shops – You have the choice of any registered repair shop.
If you purchased substitute transportation coverage, we can authorize your reservation with Hertz or Enterprise.
- CAR EZ – Rental arrangements are taken care of for you.
- Direct Billing and Payment with Hertz and Enterprise.
- Rental vehicle delivery options are available.
- Covered rental days are subject to authorization and policy limits.
- No coverage under policy? Affordable rates via Hertz for MAPFRE customers. Speak with your claim professional.
Once your vehicle has been repaired:
- CAR EZ – Expert repairs are paid directly to the shop and guaranteed by MAPFRE for life of ownership.
- If your repair was completed outside of the CAR EZ network, a signed Direction to Pay will allow MAPFRE to pay them directly. Your shop will supply you with the form.
- In either situation, if your deductible applies, you will pay those funds to the repair shop.
*Subject To Policy Conditions
Frequently asked questions about total losses
When is my car considered a total loss?
Your car is considered a total loss (totaled) when the cost to repair the vehicle exceeds its current value.
How is the value of my car determined?
MAPFRE works with a third-party to help determine the actual cash value of your car. The value of your vehicle is determined by a variety of factors like its pre-loss condition, age, make, model, and mileage. Also taken into consideration is the value of a vehicle of a similar type and the price paid for the vehicle.
What happens if I still have a loan or lease on my car?
Depending on the lender, if the actual value of your car is less than what you owe on your loan or lease, then you may still owe the balance.
Having gap insurance will typically cover the difference between what your vehicle is currently worth and the amount you actually owe on the loan or lease.
What paperwork is needed before payment can be issued?
Before payment can be issued, MAPFRE needs the title of the vehicle. If you hold the title, you must fill in the odometer disclosure statement and sign the title before sending it to us.
If the title is with your lender, MAPFRE will reach out to them. Keep in mind, requirements differ by states and there may be additional steps.
What happens to my car if it's determined a total loss?
After your car is determined a total loss, you will need to advise the repair shop or tow yard that you would like to release your vehicle to MAPFRE. This timely permission to move the vehicle will help reduce out-of-pocket costs.
During this time, you should also remove all personal belongings from the vehicle and take off the license plates.
Why do you need to take my car and where are you taking it?
While we usually cover up to $35 per day of storage at shop or tow yard, those fees can add up quickly. That’s why MAPFRE takes it to a storage-free facility. If you don’t want to allow MAPFRE to move your car, you may be responsible for the additional storage fees.
What if I decide to keep my car?
MAPFRE has the right to take your vehicle in settlement of a total loss under the terms and conditions of your auto policy. If we decide to allow you to retain the vehicle, it will be returned to you from the salvage yard once the claims process is complete. Once a car is totaled you will still need to have it repaired and pass inspection. You will need to apply for a salvage or rebuilt title that identifies the car as having been a total loss. Many insurance companies will not cover a salvaged vehicle it’s challenging to accurately assess the true condition of the vehicle.
