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	<title>Comments on: How to successfully appeal a Massachusetts auto insurance (SDIP) surcharge</title>
	<atom:link href="http://blog.kamens.us/2010/04/09/how-to-successfully-appeal-a-massachusetts-auto-insurance-sdip-surcharge/feed/" rel="self" type="application/rss+xml" />
	<link>http://blog.kamens.us/2010/04/09/how-to-successfully-appeal-a-massachusetts-auto-insurance-sdip-surcharge/</link>
	<description>Musings of an indignant mind</description>
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		<title>By: Janet Gross</title>
		<link>http://blog.kamens.us/2010/04/09/how-to-successfully-appeal-a-massachusetts-auto-insurance-sdip-surcharge/comment-page-1/#comment-122021</link>
		<dc:creator>Janet Gross</dc:creator>
		<pubDate>Wed, 08 Feb 2012 14:01:07 +0000</pubDate>
		<guid isPermaLink="false">http://blog.kamens.brookline.ma.us/~jik/wordpress/?p=1314#comment-122021</guid>
		<description>My question has nothing to do with the previous comments but I can&#039;t seem to find a consistent answer to my question.  In October of last year I filed an appeal for an rear end collision to another car (truck actually).  My brakes failed and hit twice-no damage to the truck my car was totaled.  It is now February and I haven&#039;t heard anything.  How long does the appeal process take?  Thanks for your help.
Sincerely,
Janet Gross</description>
		<content:encoded><![CDATA[<p>My question has nothing to do with the previous comments but I can&#8217;t seem to find a consistent answer to my question.  In October of last year I filed an appeal for an rear end collision to another car (truck actually).  My brakes failed and hit twice-no damage to the truck my car was totaled.  It is now February and I haven&#8217;t heard anything.  How long does the appeal process take?  Thanks for your help.<br />
Sincerely,<br />
Janet Gross</p>
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		<title>By: jik</title>
		<link>http://blog.kamens.us/2010/04/09/how-to-successfully-appeal-a-massachusetts-auto-insurance-sdip-surcharge/comment-page-1/#comment-121563</link>
		<dc:creator>jik</dc:creator>
		<pubDate>Tue, 24 Jan 2012 00:17:07 +0000</pubDate>
		<guid isPermaLink="false">http://blog.kamens.brookline.ma.us/~jik/wordpress/?p=1314#comment-121563</guid>
		<description>If you backed into a parked car, there&#039;s no point in appealing. You will lose.
It doesn&#039;t matter whether the other car was parked illegally. It was plainly visible to you before you started moving and you bumped into it anyway.</description>
		<content:encoded><![CDATA[<p>If you backed into a parked car, there&#8217;s no point in appealing. You will lose.<br />
It doesn&#8217;t matter whether the other car was parked illegally. It was plainly visible to you before you started moving and you bumped into it anyway.</p>
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		<title>By: JnLy</title>
		<link>http://blog.kamens.us/2010/04/09/how-to-successfully-appeal-a-massachusetts-auto-insurance-sdip-surcharge/comment-page-1/#comment-121561</link>
		<dc:creator>JnLy</dc:creator>
		<pubDate>Tue, 24 Jan 2012 00:04:52 +0000</pubDate>
		<guid isPermaLink="false">http://blog.kamens.brookline.ma.us/~jik/wordpress/?p=1314#comment-121561</guid>
		<description>My car was parked on the left side of a one strip parking in an aparment complex. I backed up into a car that was parked perpendicular behind my car about two feet away. Note: it was illegally parked there, she said she parked to get her mail and it was parked the wrong way if another car was coming. Well my insurance says it&#039;s my fault for not looking, but she shouldn&#039;t have been parked there! I didn&#039;t see a moving car and backed up and in less then two seconds, there was a bump. I don&#039;t have any damages whatsoever and she has an inch dent. Not a big deal, but how to I do an appeal? Is is worth it? How do I get one started? It&#039;s not a huge claim, but I don&#039;t want this on my record or my insurance to go up.</description>
		<content:encoded><![CDATA[<p>My car was parked on the left side of a one strip parking in an aparment complex. I backed up into a car that was parked perpendicular behind my car about two feet away. Note: it was illegally parked there, she said she parked to get her mail and it was parked the wrong way if another car was coming. Well my insurance says it&#8217;s my fault for not looking, but she shouldn&#8217;t have been parked there! I didn&#8217;t see a moving car and backed up and in less then two seconds, there was a bump. I don&#8217;t have any damages whatsoever and she has an inch dent. Not a big deal, but how to I do an appeal? Is is worth it? How do I get one started? It&#8217;s not a huge claim, but I don&#8217;t want this on my record or my insurance to go up.</p>
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		<title>By: jik</title>
		<link>http://blog.kamens.us/2010/04/09/how-to-successfully-appeal-a-massachusetts-auto-insurance-sdip-surcharge/comment-page-1/#comment-121273</link>
		<dc:creator>jik</dc:creator>
		<pubDate>Fri, 13 Jan 2012 16:07:12 +0000</pubDate>
		<guid isPermaLink="false">http://blog.kamens.brookline.ma.us/~jik/wordpress/?p=1314#comment-121273</guid>
		<description>It&#039;s a hearing, not a healing.

Whether you should attend the hearing in person depends on whether you believe that you will make a better impression in person than in writing. Only you can decide that, perhaps with the help of people who know you well.</description>
		<content:encoded><![CDATA[<p>It&#8217;s a hearing, not a healing.</p>
<p>Whether you should attend the hearing in person depends on whether you believe that you will make a better impression in person than in writing. Only you can decide that, perhaps with the help of people who know you well.</p>
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		<title>By: Nangjing</title>
		<link>http://blog.kamens.us/2010/04/09/how-to-successfully-appeal-a-massachusetts-auto-insurance-sdip-surcharge/comment-page-1/#comment-121242</link>
		<dc:creator>Nangjing</dc:creator>
		<pubDate>Fri, 13 Jan 2012 02:10:09 +0000</pubDate>
		<guid isPermaLink="false">http://blog.kamens.brookline.ma.us/~jik/wordpress/?p=1314#comment-121242</guid>
		<description>I had an accident in a very heavy raining day.  I was turning right and at the turn my car was hit. The person behind me said I hit her car.  I am sure before i turn I checked there is no car in my sight. So I filed appeal and the healing is scheduled. The insurance agent told me most people do not attend the healing in person. My question is, would there be any impact on judge between attending healing in person or submit in writing?  Thanks.</description>
		<content:encoded><![CDATA[<p>I had an accident in a very heavy raining day.  I was turning right and at the turn my car was hit. The person behind me said I hit her car.  I am sure before i turn I checked there is no car in my sight. So I filed appeal and the healing is scheduled. The insurance agent told me most people do not attend the healing in person. My question is, would there be any impact on judge between attending healing in person or submit in writing?  Thanks.</p>
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		<title>By: namey</title>
		<link>http://blog.kamens.us/2010/04/09/how-to-successfully-appeal-a-massachusetts-auto-insurance-sdip-surcharge/comment-page-1/#comment-112854</link>
		<dc:creator>namey</dc:creator>
		<pubDate>Tue, 14 Jun 2011 16:31:35 +0000</pubDate>
		<guid isPermaLink="false">http://blog.kamens.brookline.ma.us/~jik/wordpress/?p=1314#comment-112854</guid>
		<description>Thank you and thanks for this blog post in general.

It&#039;s annoying how they don&#039;t describe the burden of proof. Presumably it&#039;s preponderance of the evidence... just says &quot;by producing sufficient evidence&quot; in the CMR. (211 CMR 74.00).

Cheers.</description>
		<content:encoded><![CDATA[<p>Thank you and thanks for this blog post in general.</p>
<p>It&#8217;s annoying how they don&#8217;t describe the burden of proof. Presumably it&#8217;s preponderance of the evidence&#8230; just says &#8220;by producing sufficient evidence&#8221; in the CMR. (211 CMR 74.00).</p>
<p>Cheers.</p>
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		<title>By: jik</title>
		<link>http://blog.kamens.us/2010/04/09/how-to-successfully-appeal-a-massachusetts-auto-insurance-sdip-surcharge/comment-page-1/#comment-112853</link>
		<dc:creator>jik</dc:creator>
		<pubDate>Tue, 14 Jun 2011 16:20:15 +0000</pubDate>
		<guid isPermaLink="false">http://blog.kamens.brookline.ma.us/~jik/wordpress/?p=1314#comment-112853</guid>
		<description>Ah, I understand what you meant now. Sorry for the misunderstanding.

There is certainly precedent for appealing a fault finding in a single-vehicle accident. However, like I said, there is an extremely high burden of proof in such accidents to overturn the original finding of fault.</description>
		<content:encoded><![CDATA[<p>Ah, I understand what you meant now. Sorry for the misunderstanding.</p>
<p>There is certainly precedent for appealing a fault finding in a single-vehicle accident. However, like I said, there is an extremely high burden of proof in such accidents to overturn the original finding of fault.</p>
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		<title>By: namey</title>
		<link>http://blog.kamens.us/2010/04/09/how-to-successfully-appeal-a-massachusetts-auto-insurance-sdip-surcharge/comment-page-1/#comment-112852</link>
		<dc:creator>namey</dc:creator>
		<pubDate>Tue, 14 Jun 2011 16:10:37 +0000</pubDate>
		<guid isPermaLink="false">http://blog.kamens.brookline.ma.us/~jik/wordpress/?p=1314#comment-112852</guid>
		<description>Well if a tornado throws your car into a house there&#039;s no other car, but it shouldn&#039;t be your fault.

I didn&#039;t mean fault finding. 

My argument is that the road condition and weather accumulate to over 50% fault, thus my fault is less than 50%, so go away SDIP. I&#039;m just not sure if there is any precedent in appealing fault for single vehicle matters.

Thank you for your reply; notably the burden of proof language.

I&#039;m not very optimistic but $50 is worth spending for the potential upside.</description>
		<content:encoded><![CDATA[<p>Well if a tornado throws your car into a house there&#8217;s no other car, but it shouldn&#8217;t be your fault.</p>
<p>I didn&#8217;t mean fault finding. </p>
<p>My argument is that the road condition and weather accumulate to over 50% fault, thus my fault is less than 50%, so go away SDIP. I&#8217;m just not sure if there is any precedent in appealing fault for single vehicle matters.</p>
<p>Thank you for your reply; notably the burden of proof language.</p>
<p>I&#8217;m not very optimistic but $50 is worth spending for the potential upside.</p>
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		<title>By: jik</title>
		<link>http://blog.kamens.us/2010/04/09/how-to-successfully-appeal-a-massachusetts-auto-insurance-sdip-surcharge/comment-page-1/#comment-112851</link>
		<dc:creator>jik</dc:creator>
		<pubDate>Tue, 14 Jun 2011 16:00:02 +0000</pubDate>
		<guid isPermaLink="false">http://blog.kamens.brookline.ma.us/~jik/wordpress/?p=1314#comment-112851</guid>
		<description>Your comment is confusing. Do you mean a &lt;em&gt;fault&lt;/em&gt; finding rather than a &lt;em&gt;no fault&lt;/em&gt; finding? Because it sounds like what you&#039;re complaining about is that you were found to be at fault.

In any case, if there are no other vehicles involved in an accident, then you can obviously be found more than 50% at fault and have points added to your insurance. If there&#039;s no one to share the blame with, then &lt;em&gt;any&lt;/em&gt; fault makes you more than 50% at fault.

To successfully appeal, you would have to argue that you were driving with reasonable care given what you knew about the road and weather conditions, and that the accident was caused by circumstances beyond your control that you could not have reasonably anticipated. It&#039;s much harder to make that argument for a single-vehicle accident, since almost by definition, if you got into a single-vehicle accident, you weren&#039;t driving with reasonable care.</description>
		<content:encoded><![CDATA[<p>Your comment is confusing. Do you mean a <em>fault</em> finding rather than a <em>no fault</em> finding? Because it sounds like what you&#8217;re complaining about is that you were found to be at fault.</p>
<p>In any case, if there are no other vehicles involved in an accident, then you can obviously be found more than 50% at fault and have points added to your insurance. If there&#8217;s no one to share the blame with, then <em>any</em> fault makes you more than 50% at fault.</p>
<p>To successfully appeal, you would have to argue that you were driving with reasonable care given what you knew about the road and weather conditions, and that the accident was caused by circumstances beyond your control that you could not have reasonably anticipated. It&#8217;s much harder to make that argument for a single-vehicle accident, since almost by definition, if you got into a single-vehicle accident, you weren&#8217;t driving with reasonable care.</p>
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		<title>By: namey</title>
		<link>http://blog.kamens.us/2010/04/09/how-to-successfully-appeal-a-massachusetts-auto-insurance-sdip-surcharge/comment-page-1/#comment-112850</link>
		<dc:creator>namey</dc:creator>
		<pubDate>Tue, 14 Jun 2011 15:46:29 +0000</pubDate>
		<guid isPermaLink="false">http://blog.kamens.brookline.ma.us/~jik/wordpress/?p=1314#comment-112850</guid>
		<description>Ever heard of a no fault finding when there&#039;s no other parties?

The road was porous and scarred up and during a rainstorm, I was under speed limit but still lost control and damaged my car. Considering an appeal.

Cop on the scene didn&#039;t give me any citations.</description>
		<content:encoded><![CDATA[<p>Ever heard of a no fault finding when there&#8217;s no other parties?</p>
<p>The road was porous and scarred up and during a rainstorm, I was under speed limit but still lost control and damaged my car. Considering an appeal.</p>
<p>Cop on the scene didn&#8217;t give me any citations.</p>
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