How to File a Car Accident Claim with Liberty Mutual

Filing an automobile accident claim with Liberty Mutual can be a complex task. Individuals can choose different options when filing a claim with Liberty Mutual, including using the Liberty Mutual mobile application, going to the Liberty Mutual website, and calling Liberty Mutual’s customer service line. 

Do Not Wait to File a Car Accident Claim 

Automobile accident victims should not delay filing their automobile accident claims. Most individuals file an automobile insurance claim within twenty-four hours of the incident. It is possible that an individual claimant may lose their right to obtain financial compensation for their injuries if they do not submit an insurance claim in a timely manner. 

Insurance Claimants May Receive Financial Compensation 

Individual claimants may receive monetary payments for the following: 

• Pain and suffering 
• Out-of-pocket expenses 
• Property damage 
• Diminished earning capacity 
• Lost earnings 
• Medical bills 

Insurance companies are for-profit entities, and they will try to offer a low amount to resolve your claim. You should speak with an experienced automobile accident lawyer if you have more questions about filing insurance claims with Liberty Mutual. 

Accident Victims Need to Take Immediate Action After Suffering Injuries 

Those who suffer injuries during an automobile accident need to seek medical treatment immediately, even if they only suffer minor injuries. Sometimes serious bodily injuries may not produce noticeable symptoms until weeks after the incident. 

If an accident victim cannot seek immediate medical treatment, then they should collect the other party’s automobile insurance information. Also, the injured victim should collect the responsible party’s contact information and speak to any witnesses who observed the automobile accident. 

Speaking with a Liberty Mutual Claim Representative 

Insurance claimants are permitted to speak to insurance claim adjusters, but these representatives of the insurance company do everything that will benefit Liberty Mutual. It is possible that an insurance claim adjuster will use a claimant’s words to make an argument that the claimant admitted liability or did not suffer any injuries due to the accident. 

Any claimant who speaks to an insurance claim adjuster needs to use caution and never post anything about the accident or their injuries on social media applications. When speaking with an insurance claim adjuster, a claimant should keep the following in mind: 

• Do not let the adjuster claim that you did not suffer any injuries 
• Do not sign any documents until the claimant speaks to a lawyer 
• Give truthful answers to the insurance claim adjuster 
• Do not provide any recorded statement 
• Never admit that you were at fault for the incident 
• Provide straightforward answers 
• Do not speculate about the facts of the incident 

This is not a complete list of recommended guidelines, but it is possible that a lawyer can advise you on additional steps to take to protect your interests. Speaking to a lawyer is essential before you speak with an insurance claim adjuster.

Claimants Who Negotiate with Liberty Mutual Agents 

Attorneys are skilled negotiators, and it is recommended that claimants allow their legal representatives to speak to Liberty Mutual insurance agents. Accident victims need to speak to an attorney before they consider speaking with an insurance claim adjuster. Insurance companies train their employees to deny payments and lower the total amount of monetary compensation. 

Attorneys can work with insurance company representatives to get you a reasonable settlement offer. Defense counsel will take you more seriously if you have legal representation. Insurance companies know they cannot use their typical tactics on personal injury lawyers. 

A Personal Injury Lawyer Can Help You 

Insurance claims can be complex, and a personal injury lawyer can help you if you need to file legal claims. Gathering evidence is essential to a personal injury case. Medical bills, lost wages, and lost earning capacity need to be calculated carefully. 

An attorney can present evidence to Liberty Mutual in an effective and strategic manner. Due to their skill and expertise, attorneys can help you establish a strong case by presenting documentary evidence. Documentary evidence is one of the strongest assets claimants possess. 

The Procedure After a Claimant Files a Claim with Liberty Mutual

Liberty Mutual will investigate your insurance claim after it is filed. An insurance claim adjuster will physically examine your automobile. Liberty Mutual will also contact you to speak with you about the accident. 

It can be difficult to speak candidly with the insurance company representatives. Insurance companies may try to trick you into admitting liability or admitting that you did not suffer any physical injuries due to the accident. 

Liberty Mutual will provide you with a settlement offer that typically is equal to your body and property damage. You do not have to accept any settlement offer presented to you. Liberty Mutual must pay out claims within thirty days of settlement. 

It Is Possible Your Insurance Claim Will Be Denied 

Liberty Mutual may deny your automobile insurance claim. You can file an appeal under these circumstances. Having a skilled lawyer on your side can help you with the appeals process. Insurance claims are denied for many reasons, and you will need to discuss the denial with your attorney. 

Answering Questions Regarding the Accident 

You may need to answer a questionnaire about the accident. Liberty Mutual will want to know basic information, such as the date of the accident and the conditions that gave rise to the incident. It is necessary that you describe the nature and extent of your injuries. 

You can upload images of the accident scene to your online Liberty Mutual account. It will only take approximately ten minutes for a claimant to file a claim. Contacting a Liberty Mutual representative will help you clear up any questions you have about completing all the details concerning your claim. 

Contact John Foy & Associates Today to Schedule a Free Consultation 

John Foy & Associates can help you with insurance claims and your personal injury case. We have years of experience representing clients in personal injury cases. If you want to learn more about the legal services we offer, contact us today.