How To File A Car Accident Claim With Liberty Mutual In Georgia

Posted in Car Accidents on May 13, 2020

Nobody wants to get into a car accident, but the reality is that these incidents will occur. If you have insurance through Liberty Mutual, you probably expect that your claim will be handled easily. Unfortunately, Liberty Mutual does not have the best track record in these cases. If you have been involved in a car accident, you need to know how to file a claim with Liberty Mutual in Georgia.

Securing compensation through Liberty Mutual can be difficult

It is important to understand that Liberty Mutual is a large company that has many subsidiaries. Unfortunately, Liberty Mutual does not have a great reputation when it comes to properly evaluating and assessing personal injury claims after an accident. However, there are some steps you should keep in mind when filing a claim.

Opening your claim with Liberty Mutual

Opening a Georgia car accident claim with Liberty Mutual is not difficult. You can do so easily on their mobile app, on the phone, or through their website. The initial report you make to Liberty Mutual needs to happen as soon as possible, but you do not have to go into detail about the crash. Just let them know an accident occurred and give them basic information about the drivers involved.

Will Liberty Mutual investigate the claim?

You can be sure that Liberty Mutual will investigate your claim. They will assign a claims adjuster to your case who has one important job – limit the amount of money they pay you in a settlement. The claims adjuster will inspect your vehicle and they will call you, probably multiple times. You need to keep in mind that the claims adjuster will likely record your phone calls and use various tactics to get you to change your story. They may try to get you to admit that your injuries are not that serious. Stick to your version of events, stick to the facts, and do not think of the claims adjuster as your friend.

How can you help your case?

You can be your best advocate when it comes to a Liberty Mutual car accident claim. If it is safe to do so, you need to take photographs at the car accident scene. This includes photos of any vehicle damage, your injuries, possible causes of the crash, etc. All of this will help your claims. You also need to get the names and contact information of any eyewitnesses to the incident.

Keep copies of all out-of-pocket expenses you incur as a result of the crash as well as your medical bills. This will all need to be factored into your final settlement.

What about the first settlement offer?

You need to be very wary of any early settlement offers made by Liberty Mutual. In most cases, the insurance carrier will make a quick initial settlement offer that is far below what you should be receiving for your claim. If you accept this offer, you will not be able to come back later and ask for more money. In the early stages of a claims process, you may not even know your total medical bills, so settling early is not a good idea.

Do you need an attorney?

It may be necessary to secure assistance from a skilled Atlanta car accident lawyer to help with your Liberty Mutual insurance claim. An attorney will have the resources necessary to fully investigate your case and properly calculate your total expenses. You can let your attorney handle all negotiations with an aggressive Liberty Mutual claims adjuster in an effort to secure maximum compensation for your claim.