Tips for Filing a Claim with Liberty Mutual Insurance
Liberty Mutual Insurance is one of the largest property and casualty insurance providers in the country. Also known as Liberty Mutual Group, they are based in Boston, Massachusetts and do business in the United States as well as in a number of other countries. The company employs more than 50,000 people. The company was once known as a quality insurance provider that tried to settle claims fairly. However, according to some of the more recent complaints and online reviews, some people feel they have been treated unfairly.
In fact, Liberty Mutual is listed as one of the 10 worst insurance companies in a report published by the American Association for Justice (AAJ). According to the report, the company has been known to take a “deny, delay and defend” tactic when it comes to claims. This seems to be corroborated by some customers who have given similar accounts online.
Not only did the company mishandle claims, but they also reportedly participated in bid-rigging. They also hired a strategy consultant to assist in boosting their profits and then took part in practices that denied or reduced claims in order to become more profitable. Certainly if you are injured, that is the last thing that you want to hear. You want to be treated fairly and get the compensation you deserve for you car accident and injury.
Filing a Claim with Liberty Mutual Insurance
If you have Liberty Mutual Insurance, you may want to file a claim after an accident. You can reach Liberty Mutual Insurance online or by calling 1-800-2CLAIMS to open a claim. However, before you file a claim, you should be aware of how to respond to various questions during the initial reporting process. Your answers to basic questions could immediately cost you money on your claim.
Claim adjusters and others are trained to ask specific questions that could cause your claim to be reduced or denied. Because they are known by some to hold back on claims, it may be in your best interest to speak to an attorney before you file a claim with your insurance company. The claim adjuster will make decisions about your claim based on information that you provide including your medical records and other details of the accident and injuries. Insurance
companies generally have a suggested settlement range for various types of injuries. It is crucial that your medical records are complete and that they provide the proper coding related to your injuries. Most insurance companies, including Liberty Mutual, try to limit the amount of settlements that they pay out.
The first settlement offer you receive is often an amount that is too low. However, many people simply accept the offer because they are unaware that they can reject it. Negotiating with an insurance company is best left to an experienced car accident attorney. Once you accept a settlement and cash the check, there may be little if anything you can do to change the situation.
A skilled attorney will work with the insurance company to try to come to a fair settlement agreement. If you were hurt in an accident and need to file a claim with Liberty Mutual, contact the legal team at Michael P. Fleming & Associates, P.C. 713-221-6800. We have helped thousands of people get fair insurance claim settlements and we can help you, too.