The Chicago car accident attorneys at Rosenfeld Injury Lawyers LLC represent victims injured by the negligent acts of drivers insured by Liberty Mutual Insurance Company. Our law firm can help you file and resolve a personal injury case involving an Illinois Liberty Mutual motor vehicle claim covered by a motorist, owner, or business insurance policy.
Our personal injury attorneys have a successful track record in obtaining maximum compensation for our clients second to none. We accept all personal injury claims and wrongful death lawsuits through contingency fee agreements.
This arrangement postpones the payment of our legal services until we have successfully obtained compensation on your behalf. We offer every client a “No Win/No-Fee” Guarantee. This promise ensures you that if we are unable to resolve your case, you owe us nothing.
To receive a free case review of your Liberty Mutual auto claim, complete the online contact form here. Our attorneys currently represent clients throughout the United States and Illinois in the following localities: Cook County, DuPage County, Kane County, Lake County, Will County, Winnebago County, Aurora, Chicago, Elgin, Joliet, Naperville, and Waukegan.
Liberty Mutual Insurance Car Accident Injury FAQs
Below are some frequently asked questions related to auto injury claims with Liberty Mutual Insurance. We appreciate that you may have additional questions about your situation, we welcome you to contact our Chicago, IL car accident attorneys for a free consultation regarding your legal options.
How do You Negotiate With Insurance After an Accident?
If another person’s negligence caused your accident, you would need to deal with the insurance carrier claims adjuster handling your case. First, file a claim as quickly as possible and maintain accurate records about precisely what happened.
Next, use a fair settlement calculator to determine your bodily injury case’s worth and never accept the claims adjuster’s first offer. Instead, make a counteroffer by emphasizing the extent of your injuries and damages and making sure your counteroffer is in writing.
How can I Maximize My Car Accident Settlement?
What you say to the claim’s adjuster and how you handle your case could significantly increase how much compensation you receive when your claim is resolved. Ensure that all evidence is preserved after the accident, supported by photographic evidence of all the damages and injuries.
Next, receive immediate medical treatment and follow up with every doctor’s appointment to support the extent of your injuries and the length of your recovery.
Finally, do not accept a lowball offer and make a counteroffer that includes the extent of the injuries in all future damages, including permanent or temporary harm. An attorney working on your behalf can build a solid case for compensation.
What Is the Average Settlement for a Car Accident With the Injury?
On average, victims with moderate injuries will settle their cases for approximately $150,000 or less. Cases involving serious injuries are typically resolved for $352,000 or more.
Any crash that had severe injuries will usually resolve for approximately $747,000 or more. Finally, compensation payouts for accidents involving extreme injuries or wrongful death tend to settle for approximately $1.9 million.
How Do You Respond to a low Settlement Offer?
The claims adjuster working for the at-fault driver’s insurance company will likely initiate a lowball settlement offer to see if you take it before you know the extent of your damages and injuries. Never accept the initial offer.
Instead, formulate a detailed counteroffer that itemizes your injuries, the extent of property damages, and the cost of future care and healing. Never accept a settlement offer until you have entirely healed from your injuries.
How can I Prove My Pain-And-Suffering?
The insurance company handling your claim will likely avoid paying you for your non-economic damages, including pain, suffering, mental anxiety, and emotional trauma concerning the accident. You can prove the extent of your pain and suffering by providing detailed medical expenses, your medical records, expert testimony, and your doctor’s prognosis of your condition.
Also, take photographic evidence of your injuries, deformities, and scars. Provide the insurance claims adjuster any psychiatric or psychological records that detail the mental health side of your healing process.
How do I Settle a Car Accident Claim Without a Lawyer?
The legal skills of an attorney is not always necessary to resolve a personal injury claim involving an automobile collision. You can handle the case on your own by:
- Obtaining a police officer report the details of the accident and identifies who is at fault
- Getting your medical records from your health care provider that details all the diagnosis and prognosis of your condition
- Collecting all information on the loss of wages you have endured due to your injuries and the potential future loss of employment until you heal completely
- Ensuring that you have photographic evidence of the damage to vehicles involved in the collision
- Gathering photographic evidence of your injuries, disfigurement, and scars associated with the crash
- Filing a compensation claim with your insurance provider and all other insurance carriers involved in the accident
Liberty Mutual Claims and Settlements
As the nation’s fifth-largest insurance company, Liberty Mutual provides policyholders insurance coverage on vehicles and property. The hundred-billion-dollar insurer generates over $9 billion in premiums each year covering drivers, homeowners, and those that need general liability or Worker’s Compensation insurance.
For years, Liberty Mutual has run a successful marketing campaign based on “we stand by you” in protecting its policyholders. Recently, the company bought SAFECO, which was once its competitor. Since that acquisition, Liberty Mutual Insurance has become significantly slower to respond to damage claims. This change in their settlement procedures has resulted in a significant rise in the number of lawsuits filed against the company.
Investigating Your Claim
Once you file a claim against the policyholder insured by Liberty Mutual, the company will assign your case at claim number and send the information to an insurance adjuster who will handle your claim. In some cases, the company will use multiple adjusters who might handle your vehicle crash’s insurance side while others handle your property damage.
During the first stages of handling a claim, Liberty Mutual might ask you to make a recorded statement . Our attorneys advise you to never record a statement without first obtaining legal advice. Like all other insurance companies, Liberty Mutual use recorded statements against victims (if not their policyholder) in ways that will damage their ability to obtain full compensation to recover all their damages.
The rules are different for their policyholders that might have a “cooperation clause” in the policy that mandates them to give a recorded statement that details what happened that led to the injuries, damage, or death.
As a part of the investigation, Liberty Mutual might take other steps by contacting witnesses to the event to obtain their version of what happened. Victims who handle their case without legal representation will likely face a claims adjuster trying to get them to sign a medical authorization to the insurance company can obtain medical records.
In some cases, the adjuster will try to get the victim to sign an employment authorization to obtain employment records. While many of these documents might eventually become a part of a lawsuit, an attorney working on your behalf can help protect your rights to ensure your case is not legally damaged before it gets started.
Filing a Property Damage Claim
Property damage claims are typically resolved before personal injury claims to expedite a vehicle repair or replacement involved in an automobile crash. In these cases, you might be facing a field adjuster set up by Liberty Mutual who can appraise the damage  to your vehicle, or they might recommend that a body shop sends an estimate on how much it will cost to fix the damage. In minimal damage cases, Liberty Mutual might accept the body shop’s estimate without ever viewing the car’s damage.
The individual determined to be at fault for causing the accident is typically financially accountable for pain property damage involved in the event, including losing your ability to use your vehicle while being repaired or replaced. If you determine that another motorist’s negligence caused your accident, they are likely entitled to provide a rental car as outlined in their policy.
If the body shop or claims adjuster determines that the vehicle can be repaired, Liberty Mutual might be financially responsible for paying the cost of repairs. In some cases, you might be entitled to receive a diminished value, which is a legal term that identifies that your damaged vehicle is worth significantly less than the value of the car before the accident occurred, even after it has been repaired.
Filing a Personal Injury Claim
Like all auto insurance carriers, including State Farm and GEICO, Liberty Mutual likely evaluate your personal injury claim by the extent of your hospitalization costs, medical bills, and other reasonable expenses associated with your injuries or the death of a loved one.
That said, Liberty Mutual might determine that your medical expenses and other costs are too high and either delay resolving the claim or offer you a “lowball” settlement amount. Typically, insurance companies will determine “reasonable” expenses instead of the actual amount in your medical bills and other costs. In most cases, it is beneficial to have legal representation on your side to ensure you receive maximum compensation, and not just what Liberty Mutual wants to offer.
In addition to seeking recovery of your medical expenses, you can also file a claim  for lost wages due to time away from work because of your injuries. Your attorney might also seek recovery of lost future ability to earn a living in the same occupation due to your temporary or permanent disabilities.
You might also seek other additional economic damages, including the financial burden of not being able to work and losing PTO (Paid Time Off) days, vacation time, and other lost earnings, even if your employer paid you while you were healing.
Your lawyer will also seek non-economic damages, which can be significantly harder to determine their value, like the worth of your pain, suffering, emotional distress, and mental anxiety involved in your injuries. Like most insurance companies, Liberty Mutual might try to offer you a small amount for your pain and suffering even though you endured months or years of healing, physical therapy, rehabilitation, and surgeries.
Filing a Claim as a Liberty Mutual Policyholder
Likely, your insurance policy with Liberty Mutual contains different coverage forms that could pay for your damages, losses, and injury. You might have medical, collision, liability, or other coverage that will pay for all your damages. You might also maintain underinsured or uninsured motorist coverage that might pay for your losses if you were involved in a hit and run accident or with other motorists at fault for the crash did not have sufficient insurance.
Whether you are a policyholder with Liberty Mutual or not, it is essential to use a qualified personal injury lawyer within hours or days after the accident to ensure your rights are protected. An attorney working on your behalf can ensure your family receives the financial compensation they deserve because others’ negligent actions caused you harm.
Receive Justice From Liberty Mutual for Your Illinois Car Accident Injury Case
Liberty Mutual markets its insurance products by questioning who is at fault for the accident and how to resolve lawsuits and claims. Typically, Liberty will make an offer quickly to ensure the case is closed before the injured parties know the extent of their damages.
Was your loved one injured or killed from others’ negligent actions that resulted in filing a claim against Liberty Mutual or other insurance companies? If so, the vehicle crash attorneys at Rosenfeld Injury Lawyers LLC can help you resolve your compensation case. Our law firm has experience in protecting the rights of our clients to ensure justice.
Contact our car accident lawyers at (888) 424-5757 (toll-free phone call) or through the contact form to schedule a free consultation. Through our “No Win/No-Fee” Guarantee, we promise that you will owe us nothing if we are unable to obtain compensation on your behalf.
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