How to Negotiate a Car Accident Injury Settlement with Liberty Mutual Insurance in Fort Collins

Call (800) 863-5312 for Your Free Case Evaluation

Liberty Mutual is one of America’s biggest insurance companies. Liberty Mutual’s commercials bear the theme “Liberty Stands With You.” We hope Liberty Mutual stands with you and delivers you a timely, fair settlement. But unfortunately, insurance companies need to make money, and they often do that by minimizing the amount paid out to people like you.

Negotiating with any insurance company is difficult, and Liberty Mutual is no exception. Liberty Mutual has been in business since 1912, giving it plenty of years of experience in negotiation. 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.

How to File a Car Accident Claim with Liberty Mutual Insurance

When negotiating with an insurance company like Liberty Mutual Insurance, you need to set yourself up for success. Before you open a claim with Liberty Mutual, make your case as strong as you can.

If you have any photos from the accident, such as injuries, vehicle damage, or the accident scene, provide them to Liberty Mutual. Photographs of the area in which the accident occurred could also be beneficial to help describe your accident.

You should gather all of the reports written by any law enforcement agency that responded to and investigated the accident. You can file a public records request to receive the police report from your accident and records from any 911 call reporting your accident.

Similarly, ask your doctor for a report describing your injuries, how long it will take to make a full recovery, and what recovery entails.

Next, compile any bills you have as a consequence of the accident. This should include medical bills from a trip to the emergency room or subsequent visits for physical therapy or counseling. If you have had to miss work, you can include lost wages. You can provide an estimate for automobile damage. These numbers will help you know what settlement you need, and documentation of how you arrived at that figure will strengthen your case.

Your Negotiation Tactics 

  • Be Mindful of What You Say. Before you interact with anyone at Liberty Mutual, make sure you know what to say. You must clearly communicate what happened and what settlement you need. Do not say anything that could jeopardize your claim.
  • Expect Disappointment—But Don’t Settle for It. The first offer you receive from Liberty Mutual Insurance will likely be low. Insurance companies hope you take a small offer because they want to make money. You do not have to take the first offer. If it is not enough to cover your bills, you should reject it.
  • Counteroffer with Explanation. Remind your claims adjuster of the settlement amount you need, and explain why. Detail how you arrived at the number. List your bills, explain again the details of the accident, and finally, discuss how this accident has impacted your life. Were you the main provider for your family before your accident? Have you had to seek counseling? Your claims adjuster is a human, so explain to them why you need more.
  • Don’t Get Greedy. You can ask for a settlement offer that is higher than what you really need, but don’t get carried away. Liberty Mutual has been settling claims for over a hundred years. They will know if you are trying to take advantage of them, and they will not take you seriously.

Get Help from Our Experienced Injury Lawyers

If you are still feeling like the underdog, you can always ask for help. 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.

If you or a loved one has been injured in a car accident, contact us at (800) 863-5312 for a free consultation and learn how we can help.

Meetings with attorneys are available by appointment only.