The automobile accident attorneys at Rosenfeld Injury Lawyers LLC represent victims injured by the negligent actions of others who are insured by Liberty Mutual. Our systems can help you file and resolve an Illinois Liberty Mutual motor vehicle claim covered by a motorist, owner or business insurance policy. Our attorneys have a successful track record in obtaining maximum compensation for our clients that is second to none. We accept all personal injury claims and wrongful death lawsuits through contingency fee agreements. This arrangement postpones 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.
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 their policyholders. Recently, the company bought SAFECO, that was once their competitor. Since that acquisition, Liberty Mutual 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 the insurance side of your vehicle crash 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. Liberty Mutual, like all other insurance companies, 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 may 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
Typically, property damage claims are 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 may recommend that a body shop sends an estimate on how much it will cost to fix the damage. In minimal damage cases, Liberty Mutual may accept the estimate by the body shop without ever viewing the damage to the car.
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 is being repaired or replaced. If you determine that negligence by another motorist 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 to pay 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
As a part of the investigation into your personal injury claim, Liberty Mutual likely evaluate your hospitalization because, 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 may 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 may 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 forms of coverage that could pay for your damages, losses, and injury. You may have medical, collision, liability or other coverage that will pay for all your damages. You may 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 the negligent actions of others caused you harm.
Receive Justice From Liberty Mutual for Your Illinois Motor Vehicle Injury Case
Liberty Mutual is known to market their insurance products by questioning the responsibility of 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 are aware of the extent of their damages.
If your loved one was injured or died from the negligent actions of another that resulted in filing a claim against Liberty Mutual or other insurance company, the vehicle crash attorneys at Rosenfeld Injury Lawyers LLC can help you resolve your case for compensation. Our law firm has experience acknowledging and protecting the rights of our clients to ensure justice. We encourage you to contact us today at (888) 424-5757 to schedule an appointment for a free case evaluation. Let our legal team discuss with you all your legal options on how to obtain monetary recovery by filing and resolving a compensation claim or lawsuit. 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. Fill out our online intake form now so we can begin providing you with legal representation today.
What the people we have helped have to say!
“My wife and I were involved in an automobile accident and filed a claim for damages with the other driver’s insurance company that sent us a letter saying they were denying the claim even though their policyholder was clearly at fault for the crash. We contacted our family lawyer. He referred us to Rosenfeld Injury Lawyers who took over the case that day. Within 2 weeks, our attorney Jonathan called to say the insurer was making us a settlement offer to close the case. However, based on the evidence in our case, he advised us to not accept the first offer but let his law firm and investigators work on the case for more to ensure we were receiving the amount we actually needed to recover our damages including hospital bills, lost wages, pain and suffering. The insurance company’s lawyers soon met with Jonathan’s legal team and we agreed on a settlement for significantly more that was originally offered. Our attorneys prepared our case perfectly and resolved it for better than what we could have hoped to receive. We are grateful that the law firm turned over every stone to ensure the value of your case was maximized.
John and Margaret N – Decatur, Illinois