GET MORE MONEY: 3 Things You Need to Know about the Liberty Mutual Claim Process
What You Need to Know About the Liberty Mutual Claim Process
Our Personal Injury Attorneys’ Advice for Anyone Injured in an Auto Accident
Liberty Mutual Insurance, a division of Liberty Mutual Group, is the third-largest property and casualty insurance company in the country and ranks 75th on the Fortune 100 list of largest US corporations. In addition to auto insurance, they also offer property insurance, boat insurance and life insurance.
Liberty Mutual has been in the insurance business since 1912 and they pride themselves on being “there when our customers need us most.” Recent TV commercials bear the theme “Liberty stands with you.” But do they really? You only find out when you’ve been injured in an auto accident, which is likely why you’re here now.
Warshafsky Law has extensive experience dealing with insurance companies that try to shortchange their clients when they need them most. Our attorney are not only experienced negotiators, but some used to work for insurance companies. So, we know exactly how insurance companies operate. Read on to learn how to deal with your Liberty Mutual claim, and how we can help.
If you’re involved in a Liberty Mutual injury claim following a car accident, you need an experienced lawyer protecting your right to fair compensation.
Warshafsky Law personal injury lawyers are highly experienced in negotiating with GEICO and other insurers to secure the maximum settlement amount for injured victims of car accidents. Some of our lawyers are even former insurance industry attorneys, giving our legal team a unique understanding of the GEICO settlement process and how insurance companies operate.
INJURED? It IS About The Money.®
hen people choose their personal injury lawyer based on the endorsement of a football player or actor, they risk choosing an attorney who has never won more money in a courtroom. Settlement mills forward your paperwork and take a cut of your damages.
Hundreds of times we have prepared cases like yours beyond the brink of trial. Facing unlimited liability AND an expensive jury trial, insurance companies fess up what your case is worth. They HATE when you choose Warshafsky. Insurance companies know: it IS about the money.
A Guide to Maximizing Payout on Your Personal Injury Claim:
1. How to Deal with Liberty Mutual Insurance Claims Adjusters when Reporting a Claim
Speak with our experienced personal injury attorneys before speaking with the insurance adjuster.
Liberty Mutual offers the option of filing a claim online, over the phone or with a mobile device. Recent commercials tout their Express Estimate feature, which lets you email a photo of your car’s damage in order to get an estimate for repair, although this only applies to minor damage. You can also take your car to a Liberty Mutual facility, “where a friendly staff member can review the damage and give you an estimate.”
It’s great that Liberty Mutual makes it so easy to file a claim, but like most insurance companies the amount they’re willing to pay on your claim is where the rubber meets the road. As with all insurance companies, their primary goal is to minimize the amount they pay on claims. The greater the damage to your vehicle, or to you, the harder they’ll look for ways to not fully reimburse you.
How Insurers Gather Information
Once the claims process is started, a liability examiner will start gathering information which will be used to evaluate your claim. Their sources for information include:
- Pictures and measurements taken at the accident scene
- Police reports and statements from witnesses and passengers
- Various repair estimates
- anything you say
You’re likely to be the first person an adjuster will want to speak with. Before you do, keep this in mind: the insurance adjuster may seem like a nice person who wants to help, but he/she will be looking for anything that can be used to deny, delay or dispute your claim. You need to be careful what you say (i.e. NEVER admit to being even partially to blame for the accident.)
In our experience, insurance companies will do whatever they can to get their hands on information which they will NOT hesitate to use against you in the future. You may even be placed under surveillance while going about your daily life. They’re not looking out for your best interests, no matter how friendly a rep may seem. The insurance adjuster’s duty is to their employer, and their goal is to pay you as little as possible.
Before You Speak to an Insurance Adjuster
Before you speak to an insurance adjuster, make sure you have your ducks in a row and know exactly what you’re going to say about the accident. If the adjuster calls shortly after your accident and you don’t feel like you’re prepared, don’t feel obligated to engage in a discussion then and there. Tell them this isn’t a good time to talk and ask for a callback number. Be firm, but polite.
The best way to avoid being taken advantage of during the claims process is to have an experienced personal injury lawyer representing you. In fact, once you've retained an attorney the insurance company is legally obligated to speak only with your attorney.
2. Handling a Liberty Mutual Injury Claim On Your Own
America's toughest personal injury attorneys protect victims' rights.
Before you contact an insurer about an injury claim, make sure you are informed of the risks involved if you speak to an insurance adjuster without an attorney. Every time you speak on the phone with anyone at your insurance company, you can safely assume the conversation is being recorded. You may inadvertently say something the adjuster can use against you—even a small inconsistency or innocent mistake will do.
Making your case and negotiating a settlement can be intimidating, especially when you’re facing a powerful organization and professionals who do this for a living. If you are well-prepared with documentation proving the value of your claim, you are more likely to be satisfied with the settlement amount.
It never hurts to show good faith as well as good manners, and it’s likely the insurance rep will be very personable and easy to talk to. But don’t be taken in—a friendly demeanor doesn’t mean they’re your friend. They’re paid to put you at ease, and if they can use charm to get you to take a lowball offer, they will. Trust us, they haven’t taken their eyes off the bottom line for one second.
3 Tips for Making an Insurance Claim on Your Own:
- Watch what you say. In all likelihood, any phone conversations you have with insurance company adjusters will be recorded. You need to be consistent in your account of what happened, and never say anything to give the adjuster the impression you were responsible in any way for the accident. Any inconsistency in your story or inadvertent misstatement will likely be latched onto and used as justification to pay out less (or even nothing) on your claim.
- Document what they tell you. After any phone calls with the insurance company, follow up by sending a short email or letter outlining what the insurance company told you on the phone call and any promises they made. This type of documentation can be very useful if the insurance company later decides to dispute the timeliness of your claim or tries to backpedal on settling your claim.
- Know what you’re up against. When negotiating a settlement with a huge insurance company, the rep on the phone isn’t the only person you’re up against. These companies have entire offices full of legal teams backing their reps with strategies and tactics to minimize payouts on claims.
One tactic is delaying the claims process so long that when you realize the only way to resolve it is through legal action, it’s too late to do so. This is because after a car accident there’s a statute of limitations on personal injury lawsuits.
In Wisconsin, the Statute of Limitations on filing a suit over a personal injury accident is 3 years. This may seem like a long time, but you’d be surprised how slow the claims process can go when an insurance company is balking over paying out on a claim.
You need to keep an eye on the clock, because suing the insurance company is your ONE bargaining chip. Once you no longer have the option of legal action, you’re stuck with whatever lowball amount the insurance company offers you.
3. How to Maximize Your Liberty Mutual Settlement
Warshafsky Law personal injury firm makes sure you get the most for your personal injury claim.
Your best chance at getting the settlement you deserve from Liberty Mutual is to have an aggressive personal injury attorney representing you. There are, however, some things you can do to increase your odds of getting a fair settlement.
1. Keep your cool.
It can be maddening to get the runaround from an insurance company, but it behooves you to resist the temptation to show your anger and frustration. Stay calm and polite, and if you’re not making progress ask if there’s a supervisor you could speak with.
2. Be prepared.
You should be well prepared to justify the value of your claim with detailed information, including evidence of pain and suffering you’ve dealt with due to the accident. The best way to quantify pain and suffering is with photos of your injuries, prescriptions you’ve been given for pain relief, and statements from your doctor(s).
3. Keep track of your expenses
Keep a file for all the expenses you’ve had since the accident. Medical bills, the out-of-pocket costs for your appointments, chiropractic care, your car repair estimate, transportation expenses to and from doctor appointments (rental car, mileage), and recent paystubs that can show a lower income due to time away from work because of the accident. If your injury requires ongoing care, future medical expenses can be included in your claim, too.
4. Discuss your case with an experienced attorney.
Getting the input of an experienced personal injury lawyer is the best way to ensure you get the highest possible settlement on your claim. Most personal injury law firms, Warshafsky Law included, offer a free initial consultation. Should you choose to hire us, you’ll owe nothing until you have been compensated.
Because personal injury attorneys are professional negotiators, you will likely get a far larger settlement with a lawyer representing you than you would by handling the claim by yourself. An attorney also takes on the hassles of dealing with the insurance company. Once you retain a lawyer, the insurance company is obligated to only communicate with your lawyer.
INJURED? It IS About The Money.® Get MORE MONEY for Your Claim. Bring in the BIG DOGS
5. Knowing What Your Claim Is Worth
Having an experienced legal team on your side gives you access to greater insight and resources to defend the value of your claim. The reputation of a law firm determined to win at court also works in your favor. Insurance companies know the only limit on a settlement amount is determined by a jury trial, and it’s in their own best interest to settle out of court.
We understand the way insurance companies think, because our legal team includes former insurance industry attorneys. Not only do we know insurance companies, they know Warshafsky Law. Insurers value your claim based on the quality of your lawyer, and we have a reputation for preparing each and every case we take to win at trial. When you’re represented by Warshafsky, your insurance company sits up and takes notice. Typically, the first thing they do is make you a much larger settlement offer.
Warshafsky Law Personal Injury Attorneys Protect the Rights of Accident Victims
Personal Injury Law Firm eager to fight insurance companies and get you the best financial compensation.
Look at any list of the biggest companies in America and you’ll see plenty of insurance companies. They don’t get billions of dollars in annual revenue by paying the full value on every claim. They routinely contest claims and leave people like you in the lurch just when you need help the most.
To get a fair settlement for your injuries, you need an attorney willing to put up a fight—not a “sign and settle” lawyer who will just go along with insurance companies in order to collect his fee and move on to the next case as quickly as possible. Unlike settlement mill law firms, Warshafsky Law prepares every case for trial from day one, and we aren’t timid about taking cases to trial.
When insurance companies face the prospect of unlimited liability in a jury trial, they usually have a sudden realization of what your claim is really worth and become very generous in their settlement offers. If not, we take them to court. Either way, when you’re represented by Warshafsky Law, it IS about the money.
INJURED? It IS About The Money.®