Property damage claims are available to people involved in a Massachusetts car accident that results in damage to their vehicle.  Property damage claims come in two forms: first-party and third-party claims.

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First-party property damage claims are made to your own insurance company.  This can only be done if you have purchased collision coverage for your vehicle.  If you have purchased collision coverage, you will likely be in a much better position, as your own insurance company will swiftly pay to repair or replace your vehicle.  If you have a deductible on this coverage, you will need to pay that amount if no one else is found at fault for the collision.

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Third-party property damage claims are made against the insurance company of another driver that hits you.  These claims are often much more difficult, because you are relying on the other driver's insurance finding their own driver at-fault.  In any doubtful situation, including the other driver telling a different story about how the crash occurred, their insurance will likely deny your claim.  The benefits available to pay to repair or replace your car could also be as low as $5,000.  This can result in insufficient coverage, as well a significant delay before your damaged vehicle is repaired or replaced, significantly disrupting your life.

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Typically, the only way to get an insurance company to overcome their initial fault determination is with significant independent evidence or litigation.

 

Insurance companies are stacked with professionals whose goal is to minimize the payments they need to make to you for your property damage claim.  Speak to a professional today to make sure you also have an expert on your side.  Hiring a lawyer to fight for you at no out-of-pocket cost is the smartest move you can make.

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With over a decade of experience representing clients injured in car accidents, the professionals at the Law Offices of Samuel A. Segal know what it takes to get you the best recovery possible.

 

The time to file your claim is limited, so reach out to us today for your Free Consultation.