While many insurance companies will strive to resolve your claim as soon as possible, usually within 30 days, there is no law in Massachusetts that sets time limits for the settlement of claims. 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. By contrast, a simple property damage claim where the fault is clear can be resolved in as little as two weeks.
When you work with a Massachusetts car accident lawyer, you can expect to resolve a lawsuit within one to two years from the date of the accident. These cases take time if you want to get the maximum possible settlement. The insurance company generally has approximately 30 days to investigate your claim. Because Massachusetts is a no-fault state when it comes to car insurance coverage, you'll first need to go to your insurance provider to file a claim under your personal injury protection (PIP) coverage.
However, the insurer is not obliged to continue paying for the rental car after an offer to resolve your claim. We offer a free consultation about your legal options and can help you file a car accident insurance 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 will also use appraisers and accident reconstruction experts to determine fault in car accidents.
The fact that Massachusetts is a no-fault state when it comes to auto insurance means that all drivers in Massachusetts must take out personal injury protection (PIP) insurance to cover their own medical bills after an accident, regardless of who was at fault. Insurance companies in Massachusetts do not have a specific period of time to resolve an insurance claim. 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. 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.
The more information and evidence you gather after a car accident, the easier the insurance adjuster's job will be. If the other driver's insurance company contacts you, you should refuse to talk to them and refer them to your insurance company or accident claim lawyer, if you have legal representation. 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. 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.
It's important that you don't sign anything or accept any offers made by the other driver's insurance representative without being reviewed by an experienced car accident lawyer. Any insurance agreement you receive from your insurer or from another driver's insurance company will be affected by the insurer's decision as to who is at fault.