Mapfre Auto Insurance Cancellation: Understanding The Potential Fees

MAPFRE auto insurance is available in 18 states, including California, Florida, and New Jersey. The company offers lower-than-average rates, good customer service ratings, and a lower-than-average number of customer complaints. MAPFRE does not charge a cancellation fee if you cancel your policy within the first 30 days. However, after the first 30 days, there is a pro-rated fee for cancelling the policy early. To cancel your MAPFRE insurance policy, you can call customer service, provide your policy number and customer details, request cancellation, and ask for a confirmation email.

MAPFRE auto insurance cancellation policy

MAPFRE auto insurance is available in 18 states in the US, including California, Florida, and New Jersey. The company offers lower-than-average rates and good customer service ratings. MAPFRE's auto insurance costs an average of $87 a month, or $1,040 a year.

MAPFRE does not charge a cancellation fee if you cancel your policy within the first 30 days. However, there is a pro-rated fee for cancelling the policy early after the first 30 days. To cancel your MAPFRE auto insurance policy, you can follow these steps:

• Call MAPFRE's customer service number at 844-627-3734.
• Provide your policy number and customer details, such as your name and address, to the agent.
• Request the cancellation of your policy and any recurring payments.
• Provide a reason for cancelling if you are asked for one.
• Ask for a confirmation email or other form of written confirmation.

It is important to note that cancelling your MAPFRE auto insurance policy may result in a lapse in your car insurance coverage, which can have legal consequences. Therefore, it is essential to ensure that you have alternative coverage in place before cancelling your MAPFRE policy.

Reasons for cancellation

There are several reasons why a policyholder might want to cancel their car insurance. Here are some common reasons for cancellation:

Selling your vehicle

If you are selling your car and not replacing it, you may choose to cancel your insurance policy. This is because insurance is legally required to drive a vehicle on the road, so if you no longer own a car, there is no need to pay for insurance.

Extended period off the road

If your car is off the road for an extended period, you may not want to pay for insurance to cover that period. However, if you are keeping your car, it is worth considering whether you want to keep your policy, as it could still cover you if your car is stolen or catches fire.

Switching insurers

Policyholders may decide to switch to a different insurance provider to benefit from a multi-car policy or a discount for bundling their home insurance policy with their auto insurance.

Non-payment

If a driver fails to pay their premium, their insurance policy can be cancelled by the insurer. Usually, the insurer will warn the policyholder before cancelling and give them the opportunity to make the payment.

Fraud or misrepresentation

If a driver fails to provide accurate information to an insurer, such as prior motor vehicle accidents, past damage to the vehicle, or past claims, the insurer can cancel the policy when they discover the fraud or misrepresentation.

Suspension or revocation of car registration or driver's license

If a car's registration or a driver's license is suspended or revoked during the policy period, the insurer may cancel the policy.

Cancellation fees

MAPFRE auto insurance is available in 18 states, including California, Florida, and New Jersey. The company has lower-than-average rates and good customer service ratings. However, it has received lower scores in customer satisfaction and claims satisfaction in studies from J.D. Power. Additionally, complaints about MAPFRE auto insurance are higher than the industry average, according to the National Association of Insurance Commissioners.

MAPFRE charges a cancellation fee of $25 if the policy is cancelled due to non-payment. There is no fee for cancelling within the first 30 days of the policy. After the first 30 days, there is a pro-rated fee for cancelling the policy early.

To cancel your MAPFRE insurance policy, you can follow these steps:

• Call customer service at 844-627-3734.
• Provide your policy number and customer details to the agent.
• Request the cancellation of your policy and any recurring payments.
• Provide a reason for cancelling if you are asked to do so.
• Ask for a confirmation email, which you can request by emailing [email protected]

Customer service contact details

MAPFRE Insurance offers customer service through various channels, including phone, email, and online services. Here are the contact details for each of these options:

Phone Support

MAPFRE Insurance provides multiple phone numbers that customers can use to reach out for assistance:

• General Customer Service: 1-877-MAPFRE1 (1-877-627-3731) or 1-800-222-2114 (toll-free)
• MAPFRE Insurance Company of Florida: 1-888-9MAPFRE (1-888-962-7373)
• Commerce West Insurance Company: 1-800-244-1545
• American Commerce Insurance Company: 1-877-224-5677
• The Commerce Insurance Company: 1-800-222-2114
• Billing and Payment-Related Inquiries: 855-MAPFRE-7 (855-627-3737). The customer service hours for this line are Monday through Friday, 7 am to 9 pm, and Saturday, 8 am to 5 pm.
• Commercial Lines Premium Audit: The dedicated Commercial Lines Team can be reached at 855-648-7200 during business hours (Monday to Friday, 8 am to 4:30 pm).

Email Support

MAPFRE Insurance provides different email addresses for specific purposes:

• Media Inquiries: [email protected]
• Commercial Lines Premium Audit: [email protected]
• Commerce Insurance: [email protected]

Online Services

MAPFRE Insurance also offers online services through its website and mobile app:

• Website: Customers can access their policy, make payments, and manage their accounts online by logging in to myaccount.mapfreinsurance.com.
• Mobile App: The Go MAPFRE app allows customers to access their policies and connect with their agents.

MAPFRE auto insurance coverage

MAPFRE offers a wide variety of coverages, including:

• Liability coverage: This covers the cost of bodily injuries or property damage caused by the policyholder in an at-fault accident. It is required in almost every state.
• Personal injury protection: Also known as PIP or no-fault insurance, this covers medical expenses and other costs, such as lost wages and funeral benefits, for the policyholder and their passengers in an accident, regardless of who was at fault. PIP coverage is mandatory in some states.
• Uninsured/underinsured motorist coverage: This coverage pays for the policyholder's medical expenses if they are hit by a driver who doesn't have insurance or doesn't have enough insurance to cover the damage caused. UM/UIM coverage is mandatory in certain states.
• Collision coverage: This covers damage to the policyholder's vehicle after a car accident, regardless of who was at fault.
• Comprehensive coverage: This covers non-collision damage to the policyholder's car, such as damage caused by extreme weather, hail, flood, fire, falling objects, vandalism, or theft.
• Medical payments: Also known as MedPay, this covers medical costs for the policyholder and their passengers in a covered accident, with a benefit of up to $1,000 to $10,000.

In addition to these basic coverages, MAPFRE offers several add-ons, such as:

• Accident forgiveness: This add-on prevents an increase in rates after the policyholder's first at-fault accident.
• Disappearing deductible: For every year of safe driving, MAPFRE will reduce the policyholder's collision deductible by up to a maximum of $300.
• Substitute transportation: This coverage pays for a rental car while the policyholder's car is being repaired due to a covered accident.
• Towing and labor: This provides benefits such as towing, fuel delivery, and locksmith services if the policyholder's car breaks down.
• Car EZ: This program helps policyholders schedule repairs and find a rental car, and guarantees repairs for as long as they own their vehicle.
• Free glass repairs: Policyholders with this coverage get free glass repairs (but not replacements) if their windows or windshield are damaged.
• Gap coverage: This covers the remaining loan or lease amount if the policyholder's car is totalled.

MAPFRE also offers an AutoMaster Package Endorsement, which includes benefits such as loss of earnings coverage, waiver of collision deductible, cell phone replacement, and replacement for other digital media devices. The specifics of this package vary by state.

Frequently asked questions