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Is it normal for an insurance company to deny a claim for a hit-and-run accident in Boston?

This legal question related to Automobile accident attorneys in BostonMassachusetts has been answered.

Location: Boston  |  Law type: Automobile accident attorneys

I'm in a real bind here and could use some help understanding my rights and next steps. I live in Boston, and last month, I was involved in a hit-and-run accident. Thankfully, I wasn't injured, but my car got pretty banged up. I filed a police report right away and contacted my insurance company to file a claim.

Why did my insurance deny my hit-and-run claim?

The problem is, my insurance company denied my claim, saying that there's insufficient evidence to prove the hit-and-run. I'm stunned because I thought my policy covered these situations. I have Uninsured Motorist (UM) coverage, but they're still not budging. Is this a common issue in Boston, or is my insurance company giving me the runaround?

  • What are the usual grounds for denying a hit-and-run claim?
  • How can I prove the hit-and-run to my insurance company?
  • Do I need a lawyer to handle this with the insurance company?

How does UM coverage work in Massachusetts?

I thought UM coverage was supposed to protect drivers in situations like this. I've been paying premiums for years and never had a claim until now. I need to understand how Uninsured Motorist coverage is supposed to work in Massachusetts, especially in hit-and-run scenarios.

  • What does Uninsured Motorist coverage typically cover in Massachusetts?
  • Are there specific conditions under which UM coverage won't apply?

Can I dispute the insurance company's decision?

I can't just let this go; I need my car for work, and the damage is significant. I'm considering disputing the insurance company's decision but not sure about the process or if it's even worth the effort. What are the steps to dispute an insurance claim denial in Boston, and how successful are these disputes usually?

  • How do I start the dispute process with my insurance company?
  • What evidence would strengthen my case in a dispute?
  • Are there any Boston-specific regulations or consumer protections that could help me?

I'm really hoping someone here can shed some light on this situation. Any advice or experiences shared would be greatly appreciated! Thanks in advance!

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Legal Solution

The response provided below is specific to Automobile accident attorneys in the jurisdiction of Boston. If the response is inadequate, please submit a detailed inquiry.

Hit-and-Run Claim Denial in Boston

Why Insurance Companies Deny Hit-and-Run Claims

In cases like yours in Boston, insurance companies may deny hit-and-run claims for several reasons. One of the most common grounds for denial is the lack of sufficient evidence to support the claim. This can include the absence of a police report, lack of witness statements, or insufficient physical evidence of the hit-and-run. Although you have Uninsured Motorist (UM) coverage, insurers still require concrete proof that an accident occurred and that the other party was at fault but uninsured or unidentified.

How Uninsured Motorist Coverage Works in Massachusetts

In Massachusetts, UM coverage is designed to protect drivers in instances where the at-fault party is uninsured or cannot be identified, as in hit-and-run scenarios. This coverage typically includes damages for bodily injury and, depending on your policy, may also cover property damage. However, insurers may have specific conditions under which this coverage is applicable, and they often require substantial evidence to process such claims.

Disputing the Insurance Company's Decision

To dispute your claim denial:

  1. Start by formally appealing: Contact your insurance company and request a written explanation for the denial. Then, submit a formal appeal with any additional evidence you can provide.
  2. Gather and present additional evidence: This can include photographs of the scene, witness statements, or any surveillance footage that might exist.
  3. Seek legal assistance if necessary: If the dispute process with the insurance company does not yield a favorable outcome, it may be advisable to seek legal advice from an attorney experienced in insurance claims or auto accidents.

Relevant Legal Resources

For further information regarding your rights and the relevant laws in Massachusetts, you can refer to the Massachusetts Government website. While I cannot provide specific legal paragraphs or links, the homepage of the Massachusetts Government is a valuable resource for state-specific legal information.

Legal Fees and Costs in Boston

Legal fees and costs can vary widely based on the complexity of the case and the lawyer's experience. Below is an indicative table of average legal fees in Boston, compared to national averages:

Service Average Cost in Boston Difference from National Average
Initial legal consultation $250 +10%
Insurance claim dispute handling $1,500 +15%
Full legal representation in case $5,000 +20%

Complexity of Hit-and-Run Cases

Hit-and-run cases are complex due to issues such as identifying the at-fault party, proving the incident, and dealing with insurance companies. Three case studies exemplify these challenges:

  1. Case with No Witnesses: Requires gathering alternative evidence like nearby surveillance footage.
  2. Case with Partial License Plate Information: Involves working with police to track down the vehicle.
  3. Case with Disputed Facts: Necessitates thorough investigation and possibly accident reconstruction experts.

Questions for Further Clarification

To better assist you, please answer the following questions:

  1. Did you obtain any witness statements or contact information at the accident scene?
  2. Is there any surveillance footage from nearby businesses or traffic cameras?
  3. Have you received a detailed written explanation for the claim denial from your insurance company?

Common Questions about Hit-and-Run Insurance Claims in Boston

Q1: What should I do immediately after a hit-and-run in Boston?

Immediately after a hit-and-run, you should ensure your safety, call the police, document the scene with photos, look for witnesses, and then contact your insurance company. Filing a police report is crucial for insurance purposes.

Q2: Can I claim on my insurance if I don’t catch the hit-and-run driver?

Yes, you can claim on your insurance under Uninsured Motorist coverage. However, you will need to provide evidence of the hit-and-run to your insurance provider.

Q3: How long do I have to file a claim after a hit-and-run in Boston?

The time limit for filing a claim varies by policy, but it's generally recommended to do it as soon as possible, ideally within a few days of the incident.

Q4: What if my insurance company denies my hit-and-run claim?

If your claim is denied, you can appeal the decision by providing additional evidence. If this fails, consulting with a lawyer experienced in auto accident cases may be necessary.

Q5: Can a lawyer help with a denied hit-and-run insurance claim?

Yes, a lawyer can provide guidance on the appeals process, gather additional evidence, negotiate with the insurance company, and represent you in court if necessary. You can compare lawyers in your area to find one suited to your case.


This content is for informational purposes only and does not establish an attorney-client relationship. It's always recommended to consult with a local attorney about your specific situation.

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Legal question "Is it normal for an insurance company to deny a claim for a hit-and-run accident in Boston?" has been changed 8 months ago. Demonstrate your legal skills and willingness to help and answer right now! Issue is related to the location of Boston & area of law: Automobile accident attorneys.
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Seeking the counsel of a personal injury attorney is paramount after vehicular accidents resulting in substantial injuries or necessitating long-term medical care. Engaging an adept attorney amplifies your likelihood of securing rightful compensation. Retaining a personal injury attorney immediately post-accident ensures you have an expert advocating for you - someone well-versed in the nuanced legal landscape and critical procedural rules that could profoundly influence your claim.

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The image portrays a positive and professional scene related to insurance claims and legal advice, reflecting the complexities of dealing with hit-and-run accidents and insurance policies in a vibrant and colorful way. The focus is on a brightly lit, modern office setting where a legal professional, an East Asian woman in her 30s, is thoughtfully reviewing insurance documents. She is seated at a sleek, organized desk surrounded by law books, a laptop, and legal papers. The background shows a city skyline th...

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