30 days is the deadline that usually gets an insurer's attention in Massachusetts. A 93A demand letter is a written notice sent under Massachusetts General Laws Chapter 93A that tells the insurance company what it did wrong, what harm that caused, and what amount will resolve the claim. In many bad-faith cases, sending this letter is required before filing suit.

For someone already dealing with medical treatment, missed work, or a serious injury from a crash, fall, jobsite incident, or toxic exposure, this letter can matter as much as the underlying claim. It gives the insurer one last chance to make a fair offer after an unreasonable delay, lowball evaluation, or other misconduct. If the company ignores it or responds unfairly, that can strengthen a later claim for extra damages.

In Massachusetts, 93A often works together with Chapter 176D, the law that governs unfair insurance claim handling. If an insurer's conduct is found to be knowing or willful, the court can award double or treble damages, plus attorney's fees. That makes the demand letter more than a formality. It needs to clearly describe the injury, the insurer's conduct, and the settlement demand, because a vague or sloppy letter can weaken a strong bad-faith case.