How To File A Car Accident Claim In Massachusetts (2025)

Immediate Steps After a Massachusetts Car Accident

Right after the crash, contact emergency services and have paramedics assess you. Report the accident to the police so that you can obtain a report and start gathering evidence from the scene. Let your insurer know that you were in a crash, and reach out to a lawyer.

Massachusetts Auto Insurance Laws and No-Fault Rules

Massachusetts is a no-fault state for car accidents. That means you generally have to file a claim against your own personal injury protection insurance first after an accident. If your losses surpass your coverage, you may then be able to pursue a fault-based claim against the other party.

Required Documentation for a Massachusetts Car Accident Claim

A key aspect of how to file a car accident claim in Massachusetts is to have the right paperwork. This includes the police report, your medical records, proof of income loss and all evidence that shows how the accident occurred.

How to File a Massachusetts Car Insurance Claim

Report the collision to your insurer. Give them the information you gathered from the accident, and wait for them to assign an adjuster. They will assess the vehicle and make an offer.

Your attorney can negotiate for fair compensation. If your insurance doesn’t cover everything, you can file a claim against the other party.

Deadlines and Legal Time Limits in Massachusetts

You have three years to file a claim in Massachusetts after a car accident.

Dealing With Insurance Adjusters and Settlement Decisions

Negotiations with insurance adjusters require experience. It’s always in your best interests not to speak with an adjuster but instead to rely on a lawyer.

Damages You Can Claim in Massachusetts

Through no-fault laws, you can receive coverage for medical expenses, lost wages and funerary services if your loved one passed in the crash. If you file against the other party’s insurance, you can also receive non-economic damages to address pain and suffering.

When to Consider Filing a Lawsuit

When you can’t obtain the settlement you need to cover all of your losses and your injuries are serious enough to allow you to step outside of no-fault laws, you should file a lawsuit.

When to Hire a Massachusetts Car Accident Lawyer

One of the most crucial steps in how to file a car accident claim in Massachusetts is to hire an attorney promptly. The more complex the case is, the more important it is to have representation.

At ConsumerShield, we can connect you with experienced lawyers in your area. Contact us to get started.