Get a better offer for your Liberty Mutual settlement Injured? Lawyer up before you sign a check.

Liberty Mutual Settlement Payout Process:

  1. Liberty Mutual claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 225-2467.
  2. Claim time limit: Most states have strict yet complex statute of limitations rules such as “you must bring a claim within 3 years of the injury discover date.”
  3. Repair shops: Liberty Mutual requests insurance customers to use a Liberty Mutual-approved auto repair facility. However, this suggestion serves only to save the insurance company money. In reality, you can go wherever you want for repair service.
  4. Settlement negotiation: Insurance companies like Liberty Mutual Insurance Association have teams of professionals dedicated to limiting or denying your settlement payout. For small claims not involving injury, you want a lawyer for property damage or a bad faith insurance claim. If you were injured, a personal injury lawyer can help you assess all damages. 
  5. Reviews for Liberty Mutual Insurance Association: Liberty Mutual Google Review page 

How can I get a higher settlement from my Liberty Mutual Insurance Claim?

Liberty Mutual Insurance is the third-largest property and casualty insurance company in the country. Warshafsky Law has extensive experience dealing with large insurance companies that try to shortchange their clients when they need them most. If you think the settlement is unfair, it probably is! Our Milwaukee auto accident lawyers are highly experienced in negotiating with Liberty Mutual 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 Liberty Mutual settlement process and how insurance companies operate.

If your injury occurred while on workplace property while using workplace vehicles or while carrying out duties of your job, schedule a free consult with our workman's comp lawyers to discuss the true value of your case.

Injured? it is about the money®

Factors affecting your Liberty Mutual payout

Once the claims process is started, a liability examiner will start gathering information that will be used to evaluate your claim. Their sources for information include:

  • Pictures and measurements from 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. Keep this in mind: he/she will be looking for anything that can be used to deny, delay or dispute your claim. Be cautious about what you say and NEVER admit to being at fault for the accident. 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 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. Politely tell them this isn’t a good time to talk and ask for a callback number. 

DIY Personal injury claims: handling a Liberty Mutual injury claim on your own

You may be wondering how to file a personal injury claim without a lawyer, but you should know your best chance at a fair settlement is with the help of an attorney. If you're determined to go it alone, before you contact an insurer about an injury claim, make sure you are informed of the risks involved if you do so without an attorney.

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’s likely the insurance rep will be very personable and easy to talk to, but they’re paid to put you at ease, and if they can use charm to get you to take a lowball offer, they will.

3 tips for making an insurance claim on your own:

  1. Watch what you say. 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 will likely be used as justification to pay out less for your claim.
  2. Document what they tell you. After phone calls with the insurance company, follow up by sending a short email or letter outlining what the insurance company told you 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.
  3. 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.

How to negotiate against a lowball settlement offer

There are several things you can do to increase your odds of getting a fair settlement.

1. Keep your cool

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, out-of-pocket costs for your appointments, chiropractic care, car repair estimate, transportation expenses to and from doctor appointments (rental car, mileage), and recent pay stubs 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 alone. We take on the hassle of dealing with the insurance company. 

Knowing what your claim is worth: Liberty Mutual settlement amounts

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. 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 suddenly realize 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.

Free Case Appraisal

6 WI Car Accident Laws that Impact your claim

 biggest lies about vehicle repairs

A "Liberty Mutual repair shop in Wisconsin" is a myth & 3 other lies


Lie #1: “We’d like to get this taken care of for you as quickly as possible.”

When the Liberty Mutual insurance rep tells you “I know how frustrating this must be” and “We want to get this taken care of for you as quickly as possible,” watch out. They know how inconvenient it is to be without a car and know you’ll do whatever they ask to get the work done.

Lie #2: “There’s a Liberty Mutual body shop near you…”

In truth, no one working for Liberty Mutual is looking out for your best interests. They’re looking for the cheapest way to get your car fixed. The shop “near you” isn’t necessarily the best shop to repair your car, and it may not even be the nearest shop. You have no obligation to get your car repaired at the shop Liberty Mutual tells you to, so tell the insurance company if you have your own body shop in mind.

Lie #3: “Aftermarket parts are just as good as the OEM parts”

If you’re going to have parts of your car replaced, you want them replaced with OEM parts—not aftermarket parts. Aftermarket parts are notorious for not fitting as well as OEM parts, not lasting as long, and not working as well. Liberty Mutual is just looking to get the job done as cheaply as possible. Although it’s virtually impossible to get new OEM parts for an older car, there’s no reason why you can’t get OEM parts for a late model car. You have no reason to settle for anything less.

The Big Lie in Personal Injury Settlements

The biggest lie you’ll hear from an insurance company is their settlement offer is the best they can do. If you’ve been unable to work because of your accident and bill collectors are hounding you, their settlement check brings instant relief. Our advice: Don’t cash it! As soon as you do, you’ve waived your right to litigate for a higher settlement. Instead, get the opinion of an experienced personal injury attorney. We recommend you contact us even before reporting your accident to Liberty Mutual. Warshafsky Law offers free case assessments. 

How long do I have to file a Liberty Mutual Insurance claim in Wisconsin?

Liberty Mutual Insurance allows you 2-3 years after the accident to file an insurance claim.

How much do Liberty Mutual Insurance rates go up after an accident in Wisconsin?

When you get into an accident, Liberty Mutual insurance rates can go up by 69% if you're at fault.

How do I get the largest settlement from my Liberty Mutual injury claim?

The best way to get a higher settlement from Liberty Mutual after an accident is to get Warshafsky's auto accident lawyers to help with your case. We are highly experienced in negotiating with insurers to ensure you receive the maximum settlement amount for your accident.

How do I get a settlement offer from Liberty Mutual?

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.” 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 can I negotiate settlement amounts with Liberty Mutual?

To negotiate your settlement amount from Liberty Mutual, you'll need to keep your cool and be prepared when communicating with anyone from the insurance company. Keep track of all your expenses, keep a record of anything that you communicate with the insurance company, and know what you're claim is worth.

Injury case settlements & judgements:

View All Settlements