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 benefits 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 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 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.