Car insurance is an expense that becomes immensely helpful if you get into a car accident. By paying those monthly premiums, you are protected from some of the significant costs that result from car wrecks, such as property damage repair costs, injury treatment bills, and personal injuries.
Liberty Mutual is a nationwide carrier offering auto and home insurance products. Policyholders have the right to receive compensation for covered losses if they experience motor vehicle accidents. You must understand how the claims process works if you want to claim compensation from Liberty Mutual auto insurance after your accident.
Liberty Mutual Insurance Company Claims Reporting Options
As a Liberty Mutual insurance client, you have multiple options for filing your claim. First, you can contact the carrier by phone when you call 1-800-225-2467. If you prefer to file claims online, visit the Liberty Mutual website. Finally, if you are logged in on the mobile app, you can file your claim from a smartphone.
The Importance of Prompt Reporting
Prompt reporting is essential for car accident claims. You should call Liberty Mutual while still at the accident scene to provide them with as much information as possible. The sooner you report the accident, the sooner you can initiate your auto insurance claim. Taking action quickly will also make collecting fresh evidence to support your claim easier.
Additionally, the insurer may have policies about how long you have to report an accident for an insurance claim, so pay attention to the terms of your coverage.
Gathering Necessary Information for Your Car Insurance Claim
Liberty Mutual will require a lot of information to process your claim and offer a fair auto accident settlement amount. Here are some data points you should collect to include in your claim, whether you submit it online, by phone, or through the app.
Accident Details
Most of the information you need for your car insurance claim will be at the accident scene. You should note the accident’s date, time, and location. You should also record a description of the accident. This data will help the adjuster determine liability during their investigation and whether the auto or home insurance policy will cover your losses.
Vehicle and Driver Information
Have the information of everyone involved in the collision. All involved drivers’ names, contact details, insurance information, and vehicle details should be included when you file your claim.
Witness Information
Witnesses will play a key role in determining liability for your car accident. If anyone observed the collision when it happened, record their contact information and an official statement about the circumstances of the event. Liberty Mutual insurance adjusters may contact them to ask for their version of events.
Police Report
The most substantial evidence in many car insurance policy claims is the police report. This document is based on the investigation by local authorities, which can include witness accounts. Request a copy of the accident report for your records and provide it to Liberty Mutual’s adjuster.
Medical Records and Bills
If you sustained injuries in your accident, Liberty Mutual insurance may cover your financial costs for treatment, depending on your coverage options. Gather all medical bills and records associated with your car accident injuries and provide them alongside your claim.
Even after filing your claim, continue collecting this information if you have ongoing treatment because the adjuster may require more details.
Steps to File a Claim with Liberty Mutual
Liberty Mutual makes filing claims for home and auto insurance relatively easy. As a policyholder, there are multiple channels through which you can submit your initial claim and interact with the adjuster going forward. Here are the steps involved in filing your claim for Liberty Mutual benefits.
Online Claim Filing
You can navigate to the Liberty Mutual website to file your claim online. You will need an online account, so create one if you haven’t already done so. Then, submit the required information on the claim filing page through your account. The adjuster assigned to your case will then contact you through your chosen means of communication.
Mobile App Claim Filing
One of the benefits of Liberty Mutual auto and home insurance is the ability to file claims right from your smartphone. All you need is the mobile app and an account associated with your current insurance policy. Simply open the app, select “File a Claim,” and follow the step-by-step process to report your accident and submit photos of the damage.
The app lets you track your claim status, submit documents, and communicate with adjusters on your schedule – making the entire process accessible and convenient.
Phone Claim Reporting
If you do not have access to a smartphone, you can always submit your claim by calling the Liberty Mutual claims department at 800-225-2467 to speak directly with a representative. During the call, you’ll be asked to provide details about the incident, your policy information, and any documentation you have.
After Filing Your Claim
Once you file a claim on your auto policy, an individual insurance adjuster will be assigned to your case. This person is responsible for processing your claim, communicating with you, and assessing your damages. Here are the steps that occur once you have submitted a claim on your current policy.
The Claims Investigation Process
The adjuster will thoroughly investigate the accident themselves. This inquiry may include contacting involved parties, speaking to witnesses, consulting the accident report, reviewing evidence, and assessing damages. They will probably ask for further information during the investigation, so be prepared to respond promptly to move your claim along.
Communicating with the Claims Adjuster
Communication is vital when a Liberty Mutual representative is processing your claim. You can ask them for status updates to track your claim’s progress. If they email or call you with a question, answer them as quickly as possible. The more responsive you are, the sooner your Liberty Mutual claim will be resolved.
Negotiating a Settlement
Eventually, the insurance representative will make an offer based on your damages, liability, and policy terms. Whether claiming medical payments coverage, personal injury protection, or car replacement coverage, you may want to negotiate for more compensation if the first offer is too low. Your best chance of a fair outcome is to hire legal representation to protect your rights.
Why You Need a Lawyer
Navigating complex car accident claims may require the assistance of an attorney. Our Chicago car insurance claim attorneys will protect your rights under state laws and regulations, assess your damages accurately, and negotiate for maximum compensation from Liberty Mutual.
If you pursue your claim without the help of an attorney, the insurance carrier could delay your claim, reject it entirely, or offer far less than you deserve.
Secure Expert Legal Representation!
Liberty Mutual offers many types of auto insurance, including collision coverage, comprehensive coverage, medical payments, personal injury protection, and more. These policies are designed to compensate policyholders when they incur losses after car accidents.
The team at Rosenfeld Injury Lawyers can help you pursue fair compensation from your car insurance claim so your financial future is secure. Our Chicago car accident attorneys offer a free consultation so you can make an informed decision about hiring the right law firm for your insurance claim.
Call us today at 888-424-5757 or complete the online form to request your free case review.