close

Make a Payment

Select your policy for New Hampshire
Policy Number Begins With

NH
CI

MAPFRE | Commerce Insurance

Can I obtain my own appraisal of damage for my auto?

You may obtain your own appraisal of damage. If you decide to obtain your own appraisal of damage, we will be unable to reimburse you if you are charged for that appraisal. In any case, it is necessary for a licensed MAPFRE appraiser to provide a written appraisal of damages before any repairs are started.

back to top


Can I begin repairs to my automobile when I receive the MAPFRE appraisal of damage?

You may choose to begin repairs at that point. However, the initial damage appraisal is not a guarantee of payment. That is because the amount of the appraisal may be reduced by your deductible, if it applies, or by any damage listed on the appraisal that is not related to the loss. Your Physical Damage Adjuster will verify the fault of the parties involved in the accident and the coverage available to you.

back to top


Can I use any repair shop that I choose to do the repairs?

Yes. We will provide you with a list of all Massachusetts registered repair shops in your county. On that list MAPFRE Insurance Company Preferred Repair Shops will be underlined. Although you are free to select any shop on the listing, by choosing to use a MAPFRE Insurance Company Preferred Repair Shop, you will receive a guarantee for the quality and workmanship of the repairs for as long as you own your vehicle.

back to top


What if I find out my vehicle is not repairable and considered a 'total loss?'

The licensed MAPFRE appraiser will make the determination if your vehicle is repairable or if it is a 'total loss.' A vehicle is declared a 'total loss' when the appraised cost of repairs added to the probable salvage value (the vehicle in its unrepaired state) exceeds the pre-accident value of the vehicle. Your settlement will be based on the actual cash value of the vehicle. Your Physical Damage Adjuster will be the individual that contacts you regarding the settlement of your 'total loss' claim.

back to top


What if my vehicle was towed to a storage facility or tow yard?

Please call us immediately if you car is at a storage facility or tow yard. Storage charges may be accruing and we can help you with the determination of whether the car should be moved in order to lessen these charges.

back to top


What if additional damage not included in the original appraisal is discovered while the vehicle is being repaired?

Your original appraisal is for 'visible damage' seen during the inspection. Although every attempt is made to be as thorough as possible, at times additional 'hidden damage' is discovered during the repair process. If this happens, the repair facility should contact the original appraiser who will then come to that facility to write a supplemental appraisal for any loss related damage.

back to top

Agent Locator

 
or
 
 
 

Drive-in Appraisals

 
 
 
or
 
 
 

Online Services

 

Customer Profile

Access billing and previously reported claim information online anytime!

Register Now!


Login to CommerceCares
 

close

Make a Payment

Select a state to make a payment.