All legal claims, meaning a Complaint, will be addressed exclusively by the Claims Department at the Central Office. The Department has a Legal Unit that consists of a group of Adjusters experienced in handling legal cases. They will be in charge of investigating the facts that gave rise to the claim, as well as compiling any information and/or documents pertinent to the defense of the claim.
If you are served with a complaint, it is extremely important that you forward a copy of the documents to MAPFRE immediately. The Rules of Civil Procedure establish a period of twenty (30) days from the date of service of the summons and complaint to file an answer to the plaintiff’s allegations. You may forward the summons and the complaint by fax to 787-772-8453 or bring them in person to the Claims Department, located on the fourth floor of the Central Office.
Once the summons and complaint are received, MAPFRE will review the allegations and verify whether they are covered by your insurance policy, in order to assign you a legal representative. The name of the attorney will be notified to you by letter, so that you may contact that person and assist him or her in the defense of the claim. Similarly, a letter will be mailed to you if your policy does not cover you for the facts claimed in the complaint, in which case you will have to hire the services of an attorney at your own expense.
On the other hand, in accordance with the Insurance Contract, every policyholder is obligated to communicate to MAPFRE any loss, occurrence, or accident as soon as possible. Prompt notification to MAPFRE of any loss, occurrence, or accident will enable us to contact the affected party more effectively and immediately, which, many times, prevents the filing of a complaint against the policyholder.
Finally, the Insurance Contract establishes the policyholder’s obligation to cooperate with the insurance company in the investigation of the claim. This includes, but is not limited to, offering verbal and/or written statements, providing documentation, locating witnesses, and appearing before the Court.
Should you have any doubts, you may contact the Claims Department at 939-205-5704.