Appraisals

Your Appraisal
A Travelers of Massachusetts appraiser will conduct an initial inspection of your vehicle and will provide a copy of the appraisal to you. You may take your car or truck to the shop of your choice with your appraisal. The initial appraisal is for visible damage only and is not an authorization to repair the vehicle. The owner of the vehicle must authorize repairs.

Here are some of our Drive-In Appraisal Locations


Additional Damage/Supplements
If additional, related damage is found on the car that was hidden at the time of the original inspection, the body shop should contact Travelers of Massachusetts. We will arrange to inspect the additional damages and write a supplemental appraisal if necessary.


Total Loss
If your vehicle is a total loss, a claim handler will contact you to explain the settlement process to you. We may want to move your vehicle to a salvage facility, and your cooperation is necessary to help get the vehicle released and have your personal belongings removed from the vehicle before it is moved.


Deductible
Deductibles apply to most comprehensive losses, such as fire or vandalism. A deductible will also apply to collision losses in certain circumstances. Your claim handler will answer any questions you may have regarding deductibles.


Rental
You may have purchased rental reimbursement coverage with your policy. Several levels of coverage are available, and you should contact your claim handler to confirm your coverage. Your claim handler will also be able to put you in touch with a rental agent to help you with your needs, or you can call directly:

1-800-RENT A CAR (1-800-736-8222)

Please have your claim number available.


Surcharge
Surcharges are mandated under Massachusetts law in certain circumstances. You will be surcharged if you are more than 50% at fault for the accident and Travelers of Massachusetts has paid more than $500 either for your collision damage or for damage to property owned by other parties. The surcharge notice will include instructions as to the process, including how to appeal the surcharge.


Salvage/Aftermarket Parts
As required by regulations that govern the appraisal process, your appraisal may include parts that are of like kind and quality as the original manufactured parts. The parts may be used or from aftermarket suppliers and are documented on your damage appraisal.

Betterment & Depreciation
Certain parts on your vehicle will wear from use and, as a result, depreciate in value. If any of these parts need to be replaced as part of your loss, your appraisal may include a deduction for betterment or depreciation of those parts.


Lienholder
If you have a lease or loan outstanding for your automobile, there will be a lienholder listed on your policy. In this case, it is our obligation to name the lienholder on the check that is mailed directly to you for the damage to your auto. You should contact your lienholder before you attempt to negotiate the check.


Registered Shops & Referral Lists
Travelers of Massachusetts has a list of registered body shops within the county in which you live and/or work to choose where to have your automobile repaired. These shops have met at least minimum requirements to be on this list. Certain shops have signed a contract with Travelers of Massachusetts to guarantee the quality of the materials and workmanship used in making the repairs. These shops are shown in bold print. Travelers of Massachusetts will be happy to explain the referral shop program to you.


Our Service Standards
We are confident in our ability to meet or exceed our customers’ expectations. We are here to handle your claim as professionally and promptly as possible. If you have any questions regarding the repair of your automobile, please call your appraiser

1-877-4CLAIM6 (1-877-425-2466)