Massachusetts diminished value law
Massachusetts has the country's only DOI-mandated 1st-party DV regulation (Bulletin 2016-04).
Citing authority: M.G.L. c. 175 § 113O
Statute of limitations: 3 years. Filing late waives the claim — carriers will not extend.
The Massachusetts total-loss threshold (Total Loss Formula) interacts with DV: vehicles repaired just below threshold typically suffer the largest diminished value, because their structural histories show on Carfax but they were not retired.
How to file in Massachusetts
- 1Document the pre-loss condition: photos, service records, comparable listings.
- 2Wait for repairs to complete and obtain the final repair invoice.
- 3Get an independent DV appraisal (USPAP-compliant, market-data based, citing Massachusetts comp sets).
- 4Send a written demand to the at-fault carrier citing M.G.L. c. 175 § 113O within 3 years.
- 5If denied or undervalued, escalate to the state DOI or invoke the appraisal clause.
17c Diminished Value Calculator
The 17c formula is the industry-standard starting point used by State Farm, GEICO, and most adjusters. Real recoveries are usually higher — this gives you the insurer's anchor.
Massachusetts DV claims by insurer
Each carrier handles DV differently. Pick yours for negotiation tactics specific to their valuation tool.
Frequently asked
Can I file a diminished value claim in Massachusetts?
Yes. Massachusetts has the country's only DOI-mandated 1st-party DV regulation (Bulletin 2016-04). The statute of limitations is 3 years.
How much is a Massachusetts diminished value claim worth?
Massachusetts drivers typically recover $1,800–$5,200 on standard passenger vehicles. Luxury and low-mileage vehicles often exceed that range. Severity, mileage, vehicle class, and pre-loss comp values all drive the number.
What is the statute of limitations for diminished value in Massachusetts?
3 years. Citing authority: M.G.L. c. 175 § 113O. File before the window closes — insurers will not waive it.
Will the insurer accept my Massachusetts DV claim?
Carriers routinely deny or undervalue first-offer DV claims. An independent USPAP appraisal, paired with a written demand citing M.G.L. c. 175 § 113O, materially changes that response.