How Does Liberty Mutual Insurance Handle Injury Claims? | Fort Collins Injury Lawyers

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Liberty Mutual is the fourth largest property and casualty insurer in the United States. Its success has landed it on the Fortune 100 list at number 76. If you or a loved one is in an accident, it is possible you may be dealing with Liberty Mutual Insurance. As a mutual company, Liberty Mutual is unique because its policy holders are its shareholders. However, this does not mean the company is any easier to deal with than others.

Like all insurance companies, Liberty Mutual wants to make money. It is inclined to give you the smallest payout possible to make you go away. Liberty Mutual has more than a century of experience negotiating insurance settlements.

If you are new to this process, it can be overwhelming, but Zinda Law Group is here to help. Our team of experienced lawyers has received many fair settlements from Liberty Mutual Insurance, and we’re ready to help you.

If you or a loved one needs to negotiate with Liberty Mutual Insurance, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our Colorado personal injury attorneys.

Opening a Claim with Liberty Mutual Insurance

When you are in an accident, your order of priorities needs to be calling the police, seeking medical treatment, and then filing a claim. You can file a claim with Liberty Mutual Insurance online, with your mobile device, or over the phone by calling 1-800-2CLAIMS.

Liberty Mutual will ask you for the following basic information about the accident:

  • The make and model of the vehicles involved
  • The name and address of the driver
  • A description of the damage
  • The time and location of the incident
  • Names and information of witnesses

Once you have provided this information, an agent will open a claim. But you still have more work to do.

Liberty Mutual will schedule a “damage review” to estimate the damage to your vehicle and your future payout. You can take your car to a Liberty Mutual Guaranteed Repair Network shop or submit photos of the damage through the Liberty Mutual app, online, or via text or email to your assigned claims representative.

You should not expect to receive a stellar settlement right away. Insurance companies such as Liberty Mutual use a tactic known as “the three D’s”: deny, delay, and defend. Insurance companies know they can maximize their profits by lowballing their first offer, making you wait for a payout, and fighting when you ask for more. It is possible to still receive a fair settlement with or without the help of an attorney, especially with our tips.

Strengthen Your Bargaining Position

  • Know How Much You Deserve. Try to calculate a hard number for what you need from this settlement. This number can include your medical bills, your estimated auto repairs, and any lost wages from missing work. Provide this calculation to your claims adjuster.
  • Reject their first offer. Liberty Mutual will likely offer you less than you deserve. It’s not personal—it’s just business. That said, you know what you need to get back on your feet. Don’t settle for less. Remain firm on what settlement you require.
  • Get emotional. If there was ever a time to share your feelings, it’s now. Has this accident impacted your day to day life? Are you scared to get back on the road? Your claims adjuster only knows the basic information surrounding your accident. Sharing the emotional details of your case may help increase your payout.

Get Help from Our Experienced Fort Collins Injury Lawyers

An accident can change your life. You should not have to worry about also receiving fair compensation from Liberty Mutual. If you are feeling overwhelmed, we are here to help you.

The attorneys at Zinda Law Group have experience with Liberty Mutual, and we will work to ensure you reach a fair resolution of your claim so you can put this accident behind you.

Contact us at (800) 863-5312 to receive your free consultation and learn how we can help.

Meetings with attorneys are available by appointment only.