Massachusetts Personal Injury Library
How to File a Property Damage Claim after a Massachusetts Car Accident
If you have been a victim in a car accident in Massachusetts, you may have a number of questions about your health and your insurance coverage.
After a serious car accident, it would be in your best interest to consult with a experienced Boston car accident attorney who specializes in property damage claims in Massachusetts. Your personal injury lawyer can examine the information you provide and determine who should be held accountable for your vehicle damage and injuries sustained in the crash.
No-Fault Insurance: Property Damage
In Massachusetts, no fault car insurance, also known as Personal Injury Protection (PIP), protects you for wrongful death, personal injury and property damage claims.
The state of Massachusetts has no-fault insurance, which means the insurance company will pay for certain damages and loss regardless of who was at fault. PIP coverage is meant to decrease the lawsuits that are the result of a property damage claim.
Filing a Property Damage Claim
The type of car insurance policy you have will also dictate the necessity for filing a property damage claim. For example, if your insurance policy does not include additional “collision” coverage, you may need to file a claim with the other party’s insurance companies to recoup your repair expenses.
It is also important to know what property is covered and what is not covered so you are up to speed when filing a claim.
For instance, certain non-vehicular property damage is covered under PIP insurance:
- Covers land
- Covers real property
- Covers personal property
The majority of no-fault insurance does not cover damage to your car if it was involved in an accident. Massachusetts is a no-fault state so it is best to inquire about the specifics of your PIP benefits with a personal injury attorney who focuses on property damage claims.
To file a property damage claim, you must fill out the forms that are available from the insurance company of the negligent party. It is the responsibility of the insurance company to handle the claim and pay out benefits within 30 days.
To get the most benefit, be aware of the total cost of damage before you file the claim. The amount of damage will include determinants like the cash value, market value, and the cost to repair the property.
If you have been injured or sustained property damage in a Massachusetts car accident, take the time to contact a Boston personal injury lawyer at the Kiley Law Group.
Call 1-888-208-1695 for a Free Consultation on how to file your claim today.
