Massachusetts
Your AI Accident Assistant for Massachusetts.
We handle Massachusetts property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How Massachusetts treats your claim
- Total loss threshold
- Total Loss Formula (per-claim)
- Appraisal clause
- Available on request
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 3 years
- Small claims cap
- $7,000
- Fault rule
- Modified 51% bar
- First-party PA license
- Not required for consumer DIY
Owner can choose.
McGilloway v. Safety Ins. Co., SJC-13053 (2021); Cubberley v. Commerce Ins. Co., 495 Mass. 289, SJC-13563 (Jan. 30, 2025)
M.G.L. c. 175 § 172 (public insurance adjuster license — fire/allied-lines/first-party property only); auto physical-damage handled under 212 CMR 2.00 (ADALB auto damage appraisers), a wholly separate regime
Dive deeper into Massachusetts
What Claimoe does for Massachusetts claims
- · Drafts every adjuster email for your approval, with Massachusetts-specific language and citations.
- · Calculates your diminished value using the 17c framework and McGilloway v. Safety Ins. Co., SJC-13053 (2021); Cubberley v. Commerce Ins. Co., 495 Mass. 289, SJC-13563 (Jan. 30, 2025).
- · Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · Massachusetts rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.