When it comes to choosing insurance in America, not many providers can compete with the quality offered by Liberty Mutual. They have mass consumer recognition for delivering excellent customer service and offering up appealing insurance products. When you put in insurance claims with Liberty Mutual following a car accident, it’s essential to abide by the time limits, which are there to create a fair system.
Why Motorists Need Insurance
The state and federal government dictates that all motorists must have insurance in place before getting behind the wheel. Consequences for not having insurance include driving suspensions, fines, and incarceration in the most serious instances.
The legal side of motor insurance isn’t the only reason why it’s important. When you’re involved in a collision, a motor theft, or anything along these lines, insurance is there to protect your financially.
Insurance from Liberty Mutual covers collisions that weren’t your fault as well as incidents where you were responsible. Examples of damage covered include loss of work and earnings, medical costs, emotional distress, and changes to your quality of life.
When to Claim Through Liberty Mutual
If anything happens to your car, whether it’s an accident, a theft, or anything else, you can call Liberty Mutual to make a claim. This process must be started at the first opportunity following the crash, which isn’t always easy when you’re dealing with trauma. This is why our motor vehicle accident lawyers can make contact on your behalf, allowing you to focus on rebuilding your life.
Is There a Time Limit for Liberty Mutual Claims?
The simple answer is “Yes”, but the length of time will change depending on the incident type and individual policy. This isn’t some harsh rule created by Liberty Mutual to avoid paying claims, it’s a system that’s put in place by the majority of insurance providers.
The official advice from Liberty Mutual is to file compensation claims when practical following an auto accident. However, the specific claims window will be written in your documents, which our road traffic accident lawyers will need to see.
Why Is the Time Limit in Place?
Insurance providers like Liberty Mutual have clear-cut rules in place to make sure their business runs smoothly and to protect motorists. Additionally, having claims in on time helps to avoid arguments with Liberty Mutual, which will stand in your favor during the claim assessment period.
The claims process can be lengthy, but you still need to have access to sufficient evidence to prove negligence on behalf of other drivers. However, if you leave it too long before filing the claim, the quality of the evidence will be torn down by the passing of time.
Liberty Mutual has strict eligibility criteria for motor insurance claims, and being on time is one of them. To avoid being rejected for such a basic reason, make sure you’re always following the provider’s rules to the letter.
Steps for Filing a Liberty Mutual Insurance Claim
Now that you know why meeting your policy deadline is important, let’s take a look at how to file a claim with your provider.
Starting at The Scene
A successful claim for insurance starts while you’re at the scene of the accident. Make sure you get to safety away from the traffic, as long as it’s safe to do so. Once you’re there, you are legally obliged to report the incident to the police, so make a call to 911 and wait for them to arrive.
Information Gathering and Reporting
While you wait for emergency services to attend the scene, start collecting evidence to strengthen your insurance claim. Start by taking pictures and videos from every position and angle, so that nothing can be left to the imagination. Next, collect contact and insurance details from everyone involved in the collision. Additionally, you should speak to witnesses and write down their details – they may have access to dashcam footage to help your case.
The police will arrive and they will want to speak to everyone involved to kick-start their investigation. It’s essential that you cooperate 100% and tell the truth about how the incident happened.
Medical Assessment
Whether you’re lucky enough to walk away unscathed or you’re seriously injured, receiving a thorough medical assessment is vital for winning a compensation claim because it proves your injuries were a direct result. Whenever you see a doctor about your injuries, keep a copy of the medical records.
Making Contact with Liberty Mutual
At this point, you must contact Mutual Liberty to make them aware of the collision. You can use the mobile app, web page contact form, or traditional phone calls. You need to give plenty of details about the accident, but you have to keep in mind that it’s never a good idea to say anything misleading that could be deemed an admission of responsibility. Thus, contacting a personal injury lawyer to help repot the claim is always recommended.
A claims adjuster will investigate the accident to determine how much compensation you’ll get, but their opinion doesn’t always reflect the compensation you deserve; that’s where our team of experts comes in.
Why You Need a Personal Injury Law Firm
You may be thinking “If I can contact Liberty Mutual myself, then why do I need the best car accident attorneys?”. This is a valid thought, and while it’s true, it doesn’t mean Liberty Mutual is going to treat you fairly or pay out accordingly.
With a vehicle accident lawyer from our firm, you benefit from a compassionate approach and a no-win no free system, which means you pay absolutely nothing unless we successfully win your case. We’re confident this is a feat we can achieve every time, as we’ve already recovered more than $150 million.
Being involved in an accident and having to deal with insurance companies like Liberty Mutual can be confusing, especially when rules like the claim window stand to make victims lose. With our team on your side, you can rest easy knowing that your compensation claim will be a success and you won’t have to engage in any of the complex conversations.
Contact our legal team at What’s My Case Worth and let the attorneys at What’s My Case Worth fight for you today.
