We can’t express this enough. Please seek medical help immediately, no matter how you feel. By documenting your injuries from day one, you’re protecting yourself. What if your pain doesn’t kick in for a few days? You’ll still have the trail of physical evidence to prove that your injuries are from the accident. If you delay going to the doctor, it will be harder to prove. The other driver will insist that your injuries aren’t related to the accident. Ultimately, lack of evidence means you might not collect damages for it. Don’t take that risk!
Third and finally, file your claim. Do this once you have the police report and the documentation of your bodily injuries. Filing your claim is the first step to collecting damages for bodily injuries. It’s also the first step to repairing your vehicle if your vehicle has damage.
Starting Your Claim
So, you’ve talked with the police and gone to the doctor. How exactly do you file your claim? Liberty Mutual Insurance is like most other 21st-century insurance companies. They offer three ways to file a claim.
Your first option is to call Liberty Mutual Insurance. You can speak with an authorized representative on the phone. The representative will collect all your information. They’ll ask detailed questions about the accident. If you need to send in documentation, they’ll provide you with all necessary instructions.
Your second option is to file your claim on Liberty Mutual’s website. This is ideal if you don’t want to talk on the phone. But you also don’t want to file your claim on a small screen, either. You can fill out all the information on the website. You’ll need to upload the police and medical documentation as well.
Your third option is to file your claim in the Liberty Mutual app. This process is similar to filing your claim online. You’re just using your phone instead.
How you file your claim is up to you. But, either way, you’ll need the same set of information.
- Liberty Mutual Insurance policy number
- Locate this number on your ID card. It should be in your glove compartment. It’s also available in the mobile app or online. If you don’t remember your password, Liberty Mutual will find you. They can locate your account with your date of birth, social security number, and home address.
- Date and time of accident
- If the accident took place at 12:07 p.m., state this. Don’t just say, “it happened at noon.” In car accidents, every detail matters.
- Brief description of the accident
- Describe the accident in as much detail as possible. You might not remember everything from the shock of the accident. But it’s important to share everything you remember.
- Insurance and contact details for others involved in the accident
- You should have collected the insurance cards of the other driver(s) involved in the crash. Liberty Mutual will need their info to collect their statements. Liberty Mutual will also try to settle the claim with the other insurance company. While arbitration is an option, settling right away is always preferred.
Liberty Mutual will ask specific questions about your accident. Fender benders and t-bone collisions are different kinds of accidents. So if you were in a fender bender, prepare for a specific set of questions relevant to a fender bender. If you were in a t-bone collision, prepare for questions that are relevant to a t-bone collision. Asking you specific questions helps to move the claims process along.
After you file your claim, you will have a claim number assigned. You’ll use your claims number to track what’s going on. You can call Liberty Mutual Insurance, go online or look in the app to see where your claim is. It’s updated whenever there is a change. So, you’ll know right away when something happens.
Fixing Your Vehicle
Finally, it’s time to get your vehicle fixed. When you take your car to the shop, they’ll give you an estimate for repairs. If your estimate exceeds your deductible, Liberty Mutual will cover the excess cost. For example, let’s say your deductible is $500 and repairs will cost $530. Liberty Mutual Insurance will cover $30 of your repairs.
Do you have rental car reimbursement as part of your coverage? If so, you’ll get a rental car while your car is in the shop.
Did your vehicle get totaled? This means that the cost of repairing your vehicle is greater than the total value of the vehicle. If this is the case, Liberty Mutual Insurance will write you a check. The check will be for the fair market value of your vehicle. This value is how much your car is currently worth. Or, rather, how much it was worth before totaled.
If you feel like you got shorted out–if you think your vehicle is worth more than the check is for, you can fight it. Hire an auto accident lawyer to represent you. They’re trained to go through insurance negotiations. They do it every day. They can help get you the money you deserve.
Find a Lawyer to Help With the Liberty Mutual Claims Process
In most cases, Liberty Mutual Insurance handles claims quickly and effectively. But they’re not perfect. No insurance company is. We all hear horror stories about long-winded negotiations and unfair settlements. Unfortunately, it’s a fact of life. Insurance adjusters want you to settle for the least amount possible. It’s their job to save the insurance companies as much as they can. If you find yourself in this position, the Lawsuit Info Center can help. Our website is full of resources to get you started. You’ll need an attorney with expertise in auto accident law. The attorney will guide you through the process. He or she will help you receive the compensation you deserve.