Insights for Maximizing the Value of Your Liberty Mutual Insurance Claim
If you’re here because you need to file an insurance claim with Liberty Mutual, you must understand that Liberty Mutual’s goal is to pay you as little as possible.
With $121.7 billion in consolidated assets and $37.6 billion in annual consolidated revenue, Liberty Mutual has endless legal resources and seasoned insurance adjusters working on its behalf.
Like any other insurance company, if you’ve been in a car accident in Texas, in order to recover compensation for your damages you will have to file a claim with the at-fault insurance company or your own insurance company. Depending on the extent of your damages, you may need to do both.
Important things to do following your accident
Even if you don’t choose to seek the help of an attorney for your claim with Liberty Mutual, we recommend you take the following steps:
- Keep copies of all of the documents related to your accident, including the accident police report, medical bills, and any other information that may help you in your case.
- If you had passengers with you at the time of the accident, make sure their injuries are well documented, if they suffered any.
- Don’t sign any legal documents if you’re unsure of what you’re signing. Seek the help of a lawyer if possible.
- Don’t talk about who you think was at fault or other speculative details about the accident without anyone but your lawyer, if you choose to hire one.
- Let your insurance agent or company know right away about the accident, so that they can’t claim you had existing damages to your car or prior bodily injuries.
- If there were any witnesses to the car accident, make sure you have their contact information as well.
Filing a claim with Liberty Mutual
You can file a claim with Liberty Mutual a variety of ways, including through their Website, which requires a login and password, with your smartphone, or over the phone with one of their agents.
Even if you don’t file your claim online, you can track the claims process online at any time if you sign up for their online service. To file by phone, call 1-844-525-2467.
Because Texas is an at-fault state, you can file a claim against Liberty Mutual to cover your accident-related property damage and medical expenses if the accident was not your fault. Usually, your insurance company will file against Liberty Mutual on your behalf, although it’s likely you’ll have to pay your deductible up front and wait for it to be reimbursed through your settlement.
If the only casualty of your accident was your vehicle, we recommend that you work with Liberty Mutual or your own insurance company to follow their claims process. Although we do suggest that you find a trusted repair shop near you to give you a second opinion whenever possible to ensure you’re getting a fair assessment of the damages and the cost to repair your car.
If you suffered any bodily injuries as a result of the accident, especially if they are significant or long-lasting, we suggest you contact an attorney to make sure you’re compensated fairly for your short and long-term recovery, as well as the potential loss of wages and other financial damages that may result.
When dealing with Liberty Mutual, make sure you document all of your discussions and agreements in writing, preferably through e-mail or Liberty Mutual’s online claims system. Avoid coming to any sort of agreement over the phone or in person.
Be prepared when you file a claim with Liberty Mutual:
- Have your insurance policy number on hand, and make sure you read through your insurance policy to get more familiar with your coverage.
- If you were not at the at-fault driver, have the full name of the driver and their insurance information on hand.
- Be ready to present evidence of the damage to your vehicle — it helps to have before and after photos.
- Have the number of a trusted repair shop on hand as another option for your car repairs.
- If you suffered an injury, try to call a lawyer before you file a claim to make sure you don’t agree to a settlement that won’t fully cover the cost of your treatment.
More about Liberty Mutual Insurance
Liberty Mutual was founded in 1912 in Boston, Massachusetts, the company’s headquarters. It originated as an insurance company for state employees. In 1917, the company began offering full coverage for motor vehicles. In 2002, after decades of growth and becoming an international insurance and financial services company, Liberty Mutual changed to a mutual holding company, which proposed to give its policyholders a share of its dividends.
Controversies involving Liberty Mutual Insurance
- The 2012 Boston Globe story “Perspectives can change at Liberty Mutual” provides an inside look at Liberty Mutual’s claims process, citing a case in which Liberty Mutual sued its own customer for filing a claim, and forced an award against Liberty Mutual.
- Another 2012 Boston Globe story, “Liberty Mutual: Your premiums, his premium office” details the lavish spending and executive bonus packages awarded to Liberty Mutual’s CEO and other high-level officers. The article cites a $4.5 million office renovation for a new Liberty Mutual CEO.
- In 2016, an AIG excess insurer urged a Texas federal judge to rule that a Liberty Mutual subsidiary should pay to resolve a personal injury suit stemming from a $34 million verdict, claiming that Liberty Mutual’s subsidiary didn’t settle the case within its policy limits.
Need Help with your Liberty Mutual claim?
For simple property damage claims resulting from minor accidents, we recommend you follow the standard Liberty Mutual claims process. However, in the case of a personal injury claim against Liberty Mutual, we suggest that you contact a trusted legal expert to help you evaluate your options.
How to contact the Liberty Mutual Claims Department
Toll-Free Number: 844-525-2467
Hours: Toll-free number operational 24 hours a day, 7 days a week
175 Berkeley Street
Boston, MA 02116