With over 40,000 employees across 29 countries, Liberty Mutual has been a household name in insurance for more than a century.
Ranking 87 on the Fortune 100 list, it generated a staggering $49.4 billion in revenue in 2023 alone.
Unsurprisingly, they’ve become a significant player in the industry. However, while their global presence is impressive, dealing with a large company during a personal injury claim can feel anything but straightforward.
It’s essential to approach the process with clarity, from understanding how claims are processed to making sure your settlement reflects the true costs of your injury.
Here’s a fresh perspective on handling a Liberty Mutual claim without the headaches.
What Sets Liberty Mutual Apart
Liberty Mutual may have a reputation for offering all types of insurance––from auto coverage to homeowners’ policies––but there’s more to the story.
The company has embraced tech in a big way, with a slick mobile app that makes filing claims and tracking updates easier than ever. Sounds great, right?
Here’s the catch: being one of the most prominent players in the game (ranked 87th on the 2024 Fortune 100 list, no less) means their processes can feel a bit… corporate. For everyday people filing claims, that size often translates to a less personal, more cookie-cutter experience.
What Should You Do When You Get In A Car Accident?
The first step is reporting your accident to your insurance company (in this case, Liberty Mutual). It may seem scary, but overall, it’s a pretty straightforward process.
You’ll need to share your policy number, when and where the accident happened, and a quick description of what happened.
If possible, make sure you take clear photos of the scene before you leave. This means taking pictures of your car, any visible damage, and even your injuries, if you have any. Those photos can be a game-changer when it comes to backing up your claim.
Many people underestimate the importance of the initial report, but it sets the tone for the entire process and ensures that you’re taken seriously from the start.
Challenges You May Face When Working With Liberty Mutual
Dealing with Liberty Mutual after an accident isn’t always easy.
Here are a few things to watch for:
1. Poor Initial Offers
It’s very common for insurers to present you with a quick settlement offer that doesn’t account for long-term expenses like future medical care or lost wages. Accepting too soon could leave you struggling to cover additional costs down the road.
For example, a policyholder may receive an initial offer that covered their car repairs but not the physical therapy they needed post-accident, but by seeking another opinion, they can then negotiate a more worthwhile payout.
2. Adjuster Tactics
Insurance adjusters are trained to minimize payouts and might use carefully worded questions to downplay your injuries or shift blame. They often focus on minor inconsistencies to challenge your claim.
To protect yourself, be mindful when chatting with them. Keep your answers short and stick to the facts. Also, avoid giving them any detailed statements without preparing first, as this could unintentionally weaken your case.
3. Delays in Processing
Large companies like Liberty Mutual often manage high volumes of claims, which can result in significant delays. Waiting weeks or even months for updates can leave policyholders feeling frustrated and uncertain.
For instance, a claimant might submit all required documentation on time but face extended waiting periods due to backlogs or miscommunication. Following up regularly and keeping a record of all interactions can help ensure your claim doesn’t fall through the cracks.
How to Strengthen Your Claim Liberty Mutual Insurance Claim
There are several ways to get the most out your potential claim, and all it requires is a little attention to detail and a few smart moves. However, you’ll have to be prepared and know what to look out for in the days following your accident.
1. Keep a Detailed Record
Document everything—photos, medical bills, repair estimates, and communications with Liberty Mutual. The more information you have, the harder it will be for anyone to challenge your claim.
2. Know the Full Value of Your Case
Accidents impact more than just your car. Factor in medical expenses lost wages, and even emotional tolls when assessing the actual cost of your accident.
3. Use Their Tools Wisely
Liberty Mutual’s app is an excellent resource for submitting documents and tracking your claim. Just be mindful of any statements you provide, as they could be used to minimize your payout.
Preparation Beats Stress
Filing a Liberty Mutual claim doesn’t have to be tiresome. With the right preparation, you can take charge of the process and get your settlement sorted within a reasonable timeframe.
Here’s how:
Understand Your Policy
Take a few minutes to review your coverage so you know what’s included and what might be excluded.
Avoid Rushing
Insurers often push for quick resolutions. Take your time to evaluate any offer thoroughly before accepting. Consult with a personal injury attorney regarding anything you’re unsure about.
Research Claim Timeframes
Understand Liberty Mutual’s typical processing times so you know when to follow up and how to avoid unnecessary delays. For instance, their website states that “Once you’ve filed, a Liberty Mutual Claims Representative will review the incident details and get back to you within 1-2 business days.”
Helping You Close the Chapter on Your Accident
Filing a claim with Liberty Mutual isn’t just about ticking boxes, though, at the end of the day, it’s about making sure you get what you deserve after an accident. The process can have its bumps, but staying prepared and taking the right steps puts you in control.
Don’t wait, don’t hesitate. Contact us today for a free consultation, or stop by one of our offices in Dallas, Fort-Worth, Houston or Austin so we can discuss your case face-to-face. You’re in good hands with Angel Reyes & Associates.
