Negotiating against a low ball Liberty Mutual settlement offer 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 date of discovery of the injury”. It’s complicated. Act fast - the insurance company will.
  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. Tell your insurance company your favorite auto shop will do the work.
  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 might 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

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

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. Warshafsky Law has extensive experience dealing with large insurance companies that try to shortchange their clients when they need them most. Our attorneys are not only experienced negotiators, but some used to work for insurance companies. So, we know exactly how insurance companies operate.

Even less threatening injuries like whiplash can mean weeks of rehabilitation therapy, added bills, inability to work, etc. If you think the settlement is unfair, it probably is! Our top-rated attorneys can help you make a counteroffer and keep the insurance company from lowballing you again.

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.

Milwaukee auto accident lawyers at Warshafsky 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.

Injured? it is about the money®

How do I get my Liberty Mutual settlement check?

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.

Factors affecting your Liberty Mutual payout

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 and NEVER admit to being even partially at fault 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.

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, there are some things you should know. 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. 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.

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 (or even nothing) for your claim.
  2. 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 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.

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. 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 at overpaying on a claim.

How to negotiate against a lowball settlement offer

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.

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 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.

We understand the way insurance companies think because our legal team includes former insurance industry attorneys. 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.

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.

Contact our personal injury law firm for a free case appraisal on no-win-no-fee legal representation.

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