Hit and Run Questions. Looking for advice.

37zeroZ

Who the hell is Mapfre insurance......sounds like some startup company. You should be able to go to any repair shop and get an estimate for the repair. Insurance companies usually recommend shops for you to go to since they already have a relationship in place for lower repair costs in exchange of providing customers. However, you should not be held to which repair shops the insurance company recommends. This is all dependent if some clause in your insurance policy states otherwise. Also, if the repairs exceed what you initially received from the insurance company, the insurance company will pay the difference to the repair shop.

Also, I commented several times that I believe that you shouldn't be liable for the $500 deductible based on your insurance policy. Did you mention to your agent about the waiver you are paying for? Maybe, because you didn't first report it within their time requirement it no longer applies.