Filing an Automobile Accident Claim with Liberty Mutual: What You Need to Know
When you get into an accident, you might not immediately think of paperwork and dealing with bureaucracy.
But for anyone who has ever had a car wreck, you know you’re in for a hassle. An automobile accident can ruin your day but, if you don’t look out, it can ruin a lot more than that.
Liberty Mutual is the sixth-largest property and casualty insurer in the United States with a net income of $ 3.068 billion in 2021.
You might know them from their charming commercials with the LiMu Emu, but don’t let their corporate mascot fool you. No one gets to a billion dollars in income without pushing the little guy around.
Liberty Mutual is similar to most insurance companies – they make more money when they get you to accept less than your accident is worth. Their adjusters have a bag of tricks and they won’t be afraid to deploy them to get the outcome they want.
Whether you’re dealing with damage to your vehicle or you’ve been injured, you can’t afford to get less than you’re worth. Talk to a Dunwoody personal injury attorney and see what your options are.
Liberty Mutual has an army of attorneys working on your case – you need someone to have your back.
Don’t let a car wreck ruin more than just your day. With the right advice, filing a claim with Liberty Mutual can be painless and satisfactory.
What Happens After an Accident?
First and foremost, don’t panic. Take a breath and assess the situation.
No matter if you’re the driver, a passenger, or in a ride share, you’ll need to be as clear headed as possible because you’re going to be gathering a ton of information to send to Liberty Mutual.
Here are some first steps to take.
Does Anyone Need Immediate Medical Attention?
This is the top priority. If you’ve been in a car wreck and yourself or someone else has been seriously injured, call 911 or immediately seek medical care. The damage to your car can wait, an emergency can’t. Prioritize health in all cases.
What Does the Scene Look Like?
You’re going to need to gather evidence. The accident just happened, so what do you notice? Are there skid marks or debris? Is the road wet? Take some photos of the conditions and of your vehicle, making sure to pay particular attention to the damage.
When you’re looking around, don’t forget to widen your focus. Are the witnesses who saw the accident and might be willing to give a statement? Maybe there are nearby businesses that have exterior cameras that might have caught the accident.
Who is the Other Driver?
No matter who they are, they’re probably in just as bad a mood as you are. Exchange information with them, making sure you have their name, contact information, license plate number, and insurance information. Be sure to keep all of this information in a safe place, whether it’s in a photo or on your notes app.
Either you or the other driver might have called a police officer, which is fine. They’ll gather some of this information on your behalf, but it’s still better to go ahead and do the job before they get to the scene. After all… what else are you doing?
Are You Hurt?
You may not think you need it, but try to get seen by a primary care physician or go to an urgent care as soon as possible. In the immediate aftermath of an accident, the adrenaline is pumping through your system and aches and pains may not show up for hours or days after the fact.
Don’t wait or avoid going just because you think you’re fine. Take care of yourself. You don’t want to be hit with unexpected medical bills down the line for something you could have caught early.
How Do You Keep It All Straight?
The fact is, if you’re doing this along, you’re going to have a ton of paperwork to keep track of. At the very least you’ll have insurance cards and photos of wrecked cards, but you might have medical bills, out of pocket repair expenses, and rental car information. If you’re smart about it, you can get all of this taken care of. Keep all of it well filed and make sure Liberty Mutual pays you back for it.
Filing a Claim with Liberty Mutual
Contact Liberty Mutual as soon as you can. Don’t delay. If you do, they might try to deny your right to compensation. Don’t give them the opportunity. The sooner you get the ball rolling, the better.
You can file you claim a few different ways.
- Call 1-844-525-2467
- Download and utilize the Liberty Mutual mobile app.
- Going to the Liberty Mutual website at www.libertymutual.com/claims-center
You’ll get a claim number, which you’ll need to keep track of. You’ll also have to deal with a Liberty Mutual Insurance Adjuster.
Insurance adjusters might seem friendly, but don’t forget who they work for.
They’re trying to get you as far away from what you deserve as they possibly can. That’s how you become a billion-dollar company, after all.
Talking to an adjuster can be stressful, so make sure you prepare yourself.
For instance, if you’re looking at this page because you’ve been in a wreck recently, review some of these steps to make sure you’re ready to begin the process of negotiating with an adjuster. (Because every moment you speak to an adjuster is a negotiation.)
- Don’t admit fault: You’re just doing their job for them.
- Don’t speculate: You don’t need to guess as to what happened and why.
- Tell the truth: Stick to verifiable facts that you won’t have to go back on.
- Keep your answers simple: Don’t give yourself the option to trip up. You don’t need to expound.
- Don’t sign anything: The first offer isn’t their best offer. Speak to a professional and don’t leave money on the table.
Do I Need a Lawyer?
The aftermath of a car wreck is a high pressure situation where the wrong move can cost you literal thousands of dollars.
Wouldn’t you feel more comfortable with a professional on your side?
For instance, were you lucky and the only damage was to your car? Even cosmetic damage is going to keep your car off the road and in a shop for days.
How are you going to get back and forth from work during that? What about if you weren’t as lucky and got injured? You don’t want to be on the hook for medical expenses like doctors’ visits and physical therapy.
Liberty Mutual deals with car accidents every single day. They’ve got the experience advantage over you. Retaining the services of a Dunwoody car accident attorney starts to even the playing field.
How Can a Lawyer Help Me?
- Gathering evidence: An attorney can speak to the police and keep your information straight.
- Deal with adjusters: An attorney can file a claim on your behalf (especially if you’re still recuperating from injuries) and they’re able to see the tricks Liberty Mutual uses to keep you from getting what you deserve.
- Use their experience: Maybe you were in a wreck with a commercial vehicle or a rideshare. Those are different beasts than your standard automobile accident. Expertise matters in these situations, so don’t be caught without it.
- Support you in court: If it goes that far, your attorney can process lawsuits against Liberty Mutual in order to get the maximum possible compensation.
Liberty Mutual isn’t on your side, period. They’re on Liberty Mutual’s side. You need someone who is looking out for your best interests.
Taking on a billion-dollar company can be scary, but when you’ve got attorney Nick Martin next to you, you’ll be able to handle it.
Nick Martin: Dunwoody Automobile Accident Attorney
A car wreck is, at minimum, a huge hassle and, at worst, a life changing event. No matter what, it’s something you’ll need support to get through. Liberty Mutual doesn’t want to pay what you’re owed, but we’ll make them.
Nick Martin is one of Dunwoody’s most trusted attorneys who knows all the tricks the insurance companies might throw at you. He’s ready to fight on your behalf.
If you or someone you know has been in a car accident, don’t wait. Time is of the essence.
Contact The Law Office of Nicholas P. Martin right now at (770) 450-6155 for a free consultation. Nick Martin won’t let you get less than you deserve.
Nick enjoys helping the people of Atlanta with their personal injury and fair labor issues. When he’s not working, Nick can be found woodworking, competitive rifle shooting, enjoying the outdoors, and spending time with his family.
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