MASSACHUSETTS (MA)

Massachusetts Diminished Value Claim — Recover $2,000 – $8,000

Massachusetts is a No-fault state with a 3 years for property damage. DV recovery is available against the at-fault driver's insurer. USPAP-compliant appraisal report delivered in 24 hours.

Get Your Free EstimateOrder DV Report — $249
Fault Rule
No-fault
Statute of Limitations
3 years for property damage
Typical Recovery
$2,000 – $8,000
Small Claims Limit
$7,000

Massachusetts Diminished Value Law — What You Need To Know

Massachusetts has the most regulated auto market in the U.S. — rates and forms are state-controlled. MAPFRE (formerly Commerce) dominates and tends to be formula-driven. Boston and Cambridge support strong comparables.

Statute citation
M.G.L. c. 260 §2A
Landmark case
Given v. Commerce Ins. (Mass. 2007) — first-party DV barred; third-party preserved.
First-party DV
❌ Not available
Third-party DV
✅ Allowed
Appraisal clause
Common, varies by carrier
Small claims limit
$7,000
Massachusetts Filing Tip

Massachusetts Chapter 93A consumer-protection statute can be cited against bad-faith DV denials; this is a serious leverage point.

What Drives DV Settlements in Massachusetts

Third-party tort recovery only — the at-fault driver's bodily-injury carrier handles property damage, and a credible appraisal is what moves the file off PIP-formula numbers.

How to File a DV Claim in Massachusetts

  1. 1

    Complete repairs at a licensed body shop and obtain a complete itemized repair invoice with all OEM/aftermarket part designations.

  2. 2

    Order a USPAP-compliant diminished value appraisal report grounded in Boston-area comparable sales (TOP-DV delivers within 24 hours for $249).

  3. 3

    Submit a written demand to the at-fault driver's insurer with the appraisal attached, citing M.G.L. c. 260 §2A and Given v. Commerce Ins. (Mass. 2007).

  4. 4

    If the carrier refuses or counters low, escalate to a supervisor and file a complaint with the Massachusetts Division of Insurance.

  5. 5

    Settlement typically reached within 8-16 weeks once a credible appraisal is on file.

Escalation: Massachusetts Division of Insurance

File a complaint with Massachusetts Division of Insurance
https://www.mass.gov/orgs/division-of-insurance

If the at-fault carrier refuses to negotiate after receiving a USPAP-compliant appraisal, file simultaneously with the state DOI — this regulatory pressure routinely accelerates settlement.

Top Massachusetts Vehicles at DV Risk

Massachusetts Metros We Serve

Insurance Companies We Handle in Massachusetts

GEICO DV Claim in Massachusetts
Initial offer typically 50–80% below market DV
Progressive DV Claim in Massachusetts
Initial offer typically 40–70% below market DV
Liberty Mutual DV Claim in Massachusetts
Initial offer typically 40–70% below market DV

Related Insurer Guides for Massachusetts Claimants

GEICO DV Claim Guide
First offer 50–80% below market DV · Settles at 50–75% of independent USPAP appraisal value; bad-faith leverage often required for higher
Progressive DV Claim Guide
First offer 40–70% below market DV · Settles at 65–85% of independent USPAP appraisal value with documented comp gaps
Liberty Mutual DV Claim Guide
First offer 40–70% below market DV · Settles at 60–80% of independent USPAP appraisal value

Massachusetts Cities We Serve

Boston, MA DV Claims
Avg recovery $4,000 – $12,400 · Suffolk County

DV Claims in Other States

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMaryland

Start Your Massachusetts DV Claim Today

Get your free 30-second estimate, then order a USPAP-compliant report for $249. Average recovery in Massachusetts: $2,000 – $8,000.

Free Estimate(424) 362-6021claim@top-dv.com