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Steps to an Auto Damage Claim

 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

Please Note:This content is not intended to describe any specific coverage offered by MAPFRE Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

MAPFRE Insurance® is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, American Commerce Insurance CompanySM (Cal. COA 4928-8); Citation Insurance CompanySM; The Commerce Insurance CompanySM; Commerce West Insurance CompanySM (Cal. COA 1372-2); and MAPFRE Insurance CompanySM (Cal. COA 3039-5). Not all products available in all states.


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