Liberty Mutual Insurance is a huge, billion-dollar enterprise founded in 1912. The company services customers all over the world and is one of the largest auto insurers on the planet. Their dedication to their customers is apparent but always keep in mind that an insurer’s primary concern is with the bottom line. Do you know how to file a claim with Liberty Mutual?
Approaching the Accident
In the United States, the state in which the claim is made may determine what kind of service you receive. Outside the United States, Liberty Mutual operates as an individual entity in each country. This wide range of service locations and variations between them can make filing a claim with Liberty Mutual complicated and confusing.
After an Accident Has Occurred, What Do I Do?
Keep calm and ensure the safety of all involved. Check the passengers of your own vehicle and then the other crash participants. Call the police immediately then survey the damage. Photograph anything that might be helpful in the future.
Be sure to record license plates, insurer information, phone numbers, and email addresses of the driver(s) of the other vehicle(s). Don’t wait until the police arrive. When they get to the collision site, they will be asking questions and dividing parties. The purpose of their questioning is to get an impartial report of the events that led up to the crash and the assumed damages. Their testimony will help the case of your claim.
Never admit fault to other drivers. What they hear and what you say may be misconstrued. A large part of analyzing insurance claims involves witness testimony. Be honest with the police and polite with other drivers. This will protect you in the long run.
Contact the Liberty Mutual Team
Liberty Mutual will request all kinds of documents. They will ask for appraisal information of vehicles, photographs of the accident, your contact information, and more. Be prepared to have everything available before starting your claim.
Liberty Mutual has an SMS and text messaging service for keeping track of your claim. Setting up an account with the company allows you to sign on to this service. Photos and GPS location data of the accident can be sent directly from your mobile device using their app. While these services are meant to speed the claim process, remember that extra information can be used against you. A personal injury lawyer can help you get organized before delivering documentation, and can advise against giving information that is self-damaging.
To sign up to use their mobile service, visit their website. The claims department of Liberty Mutual can be contacted 24/7 at (800) 225-2467.
What You Need to Know
An insurance agent will likely be assigned to your case. Texas, like many others, is a “fault” state. This means that the strategy employed by insurance companies is to determine fault and give out claims based on their findings.
The drawbacks to this strategy are apparent for clients filing collision claims. Insurance providers will often attempt to frame the accident in a way that lowers the amount of money they are required to pay. Don’t hesitate to contact a lawyer for advice! A skilled attorney gives clients an edge that keeps insurers from duping customers.
Attorney Brian White
A Houston personal injury lawyer with years of skill and experience under his belt, Brian White has handled a variety of claims filed with dozens of different companies. He knows the ins and outs of handling an auto claim with insurance companies like Liberty Mutual. If you have any questions regarding an accident or legal dispute, contact Brian for help.