In Massachusetts, the statute of limitations for filing most injury lawsuits (including cases of motor vehicle accidents against private individuals or entities) is three years from the date of injury. There are no specific time limits for resolving complaints. Insurance companies legally have to pay all claims within a quick and reasonable period of time. What is a quick and reasonable period of time may be different for each claim.
Some claims that require a more thorough investigation may take longer to resolve. For example, bad weather often causes more claims to be filed. Many weather-related claims may take longer to be processed by the insurance company. If you damaged your car in an accident that doesn't involve another car and the damage to your car costs less than your deductible, you might be better off paying out of pocket to avoid rising rates.
If you or someone on your behalf provides false, misleading, misleading, or incomplete information in any request and if that information increases the risk of loss for the insurance company, your company may refuse to pay claims under any or all of the optional insurance coverages in the policy. Once you start dealing with insurance companies, it's important to make sure that you don't do or say things that the insurer could use against you to deny your claim. Massachusetts law makes things easier for insurance companies by allowing insurers to presume that drivers are at fault in more than 30 predefined accident situations. Insurance companies can choose their own sources from which they derive their “total loss” equations, such as NADA and Kelly Blue Book, and you have the right to ask the insurance company for their sources.
If you don't agree with the full amount of the loss offered to you, you can try to negotiate a larger settlement amount with the insurer by providing supporting documentation that supports your statement that the actual cash value of your vehicle is greater than the amount offered by the insurer. In most cases, the money you receive for your losses in a car accident will come from someone's insurance policy. Assigning part of the blame to each driver is, in part, a decision that can be affected if the insurance company is negotiated, a hearing is held before the Massachusetts Insurance Division, or the insurance company is brought to court. We urge you to contact the Kelly & Associates Injury Lawyers law firm in Boston for help in the case of a car accident in the greater Boston area.
Not only is the comparative negligence rule binding on Massachusetts judges and juries (if your car accident case goes to court), but it will also serve as a guide to the auto insurance claims adjuster when evaluating your case. Keep in mind that your credit card may also offer some insurance coverage for rental vehicles if you use your card to pay your rent. If you're injured in a car accident in Massachusetts, you'll typically have to file a claim under your own personal injury protection (PIP) auto insurance coverage to get compensation for medical bills and other financial losses, regardless of who caused the accident. If you are involved in a car accident in Boston, there are certain steps you should take as soon as possible to protect your ability to obtain a satisfactory insurance settlement.
We offer a free consultation about your legal options and can help you file a car accident insurance claim...