Deadline approaching? Your surcharge appeal must be filed and received within 30 days of the notice date.
Start here →Massachusetts At-Fault Surcharge Appeals
A surcharge follows you.
Prepare like it matters.
An at-fault surcharge can raise your premium for years. The deadline to appeal is strict — 30 days from the notice date — and the Standards of Fault are rebuttable. Preparation is the one thing in your control.
What a surcharge can affect
What you walk in with
Free to start — no payment required
Create your free account
Tell Allie what happened and set up your account — no payment to get started.
Choose your tier
Pick Solo or Guided. Pay through LawPay — funds held in attorney trust until your matter is accepted.
Complete intake & get your packet
Allie builds your appeal from your answers, a licensed Massachusetts attorney reviews it, and it's delivered before your deadline.
Both tiers attorney-reviewed · LawPay trust · Full refund if declined
The difference preparation makes
Most people walk in unprepared. You won't.
The Standard of Fault
You can't rebut a presumption you haven't identified.
The Standard of Fault the insurer applied is the core of the at-fault finding. It is a rebuttable presumption — but only if you know which one it is and aim your evidence directly at it. We build your appeal around that specific standard.
Attorney review
A Massachusetts attorney reads every fact before it reaches you.
Both paid tiers are reviewed by a Massachusetts licensed attorney. They flag what matters, identify what hurts, and mark what to address — before you file. The preparation packet is the form legal advice takes — not a phone call, not a chat session.
The packet
Organized the way the Board of Appeal reads a file.
Allie structures your accident facts chronologically, maps your evidence to the Standard of Fault, and produces a preparation memo built specifically for the Board of Appeal. A document built around your accident, your dates, and your facts.
Choose your package
Attorney-reviewed preparation — starting at $149.
Every tier starts with a free account. You only pay when you choose a tier — and your payment is held in attorney trust until your matter is accepted.
Solo
$149
One-time · Attorney-reviewed packet + all tools
Complete AI-assisted intake, every preparation tool, and an attorney-reviewed preparation packet built for the Division of Insurance Board of Appeal. Everything you need to file prepared.
⏱ Typically 1–2 business days
Begin intake →Guided
$299
One-time · Everything in Solo + attorney consultation
Everything in Solo — the full toolkit and attorney-reviewed packet — plus an up-to-30-minute call (Zoom or phone) with the attorney reviewing your packet.
The $150 difference
Both tiers give you the full toolkit and a prepared, attorney-reviewed packet. Guided adds direct access to the attorney reviewing it — so you can ask the questions no template can answer. Does your accident really fit the Standard of Fault that was applied? What will the Board focus on? What should you lead with?
It's the one thing a packet alone can't give you: a live conversation with the attorney about your specific appeal before your hearing.
⏱ Up to 30-minute attorney consultation included
Get started — Select Guided →Attorney review
What an attorney review actually does.
Both paid tiers include review by a Massachusetts licensed attorney before your packet is delivered. This is not a spell-check. It is a legal assessment of your accident against the Standards of Fault.
Tests the Standard of Fault
The attorney reads the at-fault finding against your account and identifies whether the applied Standard of Fault really fits — and where the evidence rebuts it.
Flags your weak points
Facts that cut against you and things you might say that hurt your appeal — identified before you say them at the hearing.
Marks your strongest arguments
What in your facts works in your favor. Where the at-fault finding is weakest. What the Board will weigh most heavily.
Recommends a strategic approach
Lead with your strongest fact. Tie each point to evidence. The attorney writes a recommended approach directly into your packet.
Who reviews your case
Reviewing attorney
Patrick T. Donovan, Esq.
Massachusetts Criminal Defense Attorney · Former Assistant District Attorney
Attorney Donovan handles Massachusetts at-fault accident surcharge appeals before the Division of Insurance Board of Appeal. He reviews every preparation packet with a sharp eye for the Standards of Fault — knowing exactly what the Board will focus on before you submit your appeal.
Full comparison
Everything, side by side.
| Feature | Solo $149 | Guided $299 ★ |
|---|---|---|
| Full intake interview with Allie (AI) | ||
| Surcharge notice — upload & transcribe | ||
| Chronological accident timeline | ||
| Evidence checklist, mapped to the Standard of Fault | ||
| Preparation memo — what to say at the Board of Appeal | ||
| Appeal-statement builder — rebut the Standard of Fault | ||
| Further-appeal preparation notes | ||
| "Improve my writing" — AI rewrites your statements | ||
| Attorney review — flagged issues, legal risks | ||
| Delivered before your 30-day deadline | ||
| Up to 30-minute attorney consultation — Zoom or phone | — | |
| Begin intake | Begin intake → |
No risk to start
Free to start. No payment until you decide to proceed.
Free to start
Creating your account is free.
Set up your account and see how it works in minutes — no payment to get started. You only pay when you choose a tier, and even then your payment is held in attorney trust until your matter is accepted.
Attorney trust account
Your payment is held in IOLTA — not spent until the matter is accepted.
Payment goes into a Massachusetts attorney trust account (IOLTA) under Mass. R. Prof. C. 1.15. The attorney reviews your matter before funds are earned. Legal advice begins upon acceptance.
Full refund if declined
If the matter can't be accepted, you get every dollar back.
If the attorney cannot accept your matter after review — for any reason — a full refund is issued from the trust account. You will not be charged for a service that cannot be delivered.
Know your options
Mass Surcharge Appeal vs. hiring a private attorney
For most at-fault surcharge appeals, attorney-reviewed preparation is exactly what you need. Here's an honest look at when each option makes sense.
| Private attorney | Mass Surcharge Appeal | |
|---|---|---|
| Attorney-reviewed preparation packet | ✓ | ✓ |
| Appeal-argument development | ✓ | ✓ |
| Standard-of-Fault analysis | ✓ | ✓ |
| Hearing question coaching | ✓ | ✓ |
| Available before your 30-day deadline | Rarely | ✓ |
| Works for complex injury / multi-party cases | ✓ | ✗ — refer out |
| Appears at the hearing alongside you | ✓ | ✗ — you go in prepared |
| Typical cost | $1,500–$5,000+ | $149–$299 |
When you should hire a private attorney instead
If the accident involves serious injuries, a related lawsuit, criminal/traffic exposure, or multiple parties — consider hiring a private attorney. The Massachusetts Bar Association referral line is (617) 338-0500.
Your deadline has a date. Start preparing now.
Create your free account — no payment to get started. Setup takes minutes. Attorney-reviewed packets start at $149.
Mass Surcharge Appeal · Massachusetts At-Fault Surcharge Appeals · Attorney-reviewed preparation