If you have been injured or suffered property damage in a Florida car or personal injury accident, you may qualify to pursue a claim for compensation. However, when it comes to filing claims with Liberty Mutual or any other insurance company for that matter, there is usually more than meets the eye.Liberty Mutual is one of the biggest insurance companies in the US. But as with most insurance companies, the company owes its first allegiance to its bottom line. Even if you are a policyholder with Liberty Mutual, you should be prepared to fight tooth and nail for fair compensation when filing a claim.If you are contemplating filing a Liberty Mutual claim, there is a lot you should know about the process and what you should do. Our Liberty Mutual claims attorneys provide guidance here on what it is like to deal with Liberty Mutual and what you can expect from the claims process.
Liberty Mutual is the fourth-largest insurance company in the US. With more than 800 locations in over 18 countries around the world, thereâ€™s no doubt that the company is as big as they come. Like most insurers, Liberty Mutual sends a message of steadfast competence and utter dependability, and it prides itself on taking â€œresponsibility.â€However, once again, like most insurers, Liberty Mutualâ€™s actions rarely match its message. The company, alongside most major insurers, has been known to low-ball claimants, including its policyholders, and will do its best to pay you as little as it legitimately can on your policy.The company has been sued multiple times over several actions, including denial of legitimate claims and underpayment of settled claims. A recent example is the 2019 class-action lawsuit, where Liberty Mutual was sued for paying less than the full value on total loss claims by auto insurance policyholders. The company was alleged to have intentionally failed to include state and local title transfer, as well as vehicle registration fees in the total loss claims it paid out.Apart from this, the company was also notoriously included in a report by the American Association for Justice, naming theTen Worst Insurance Companies in America. The report indicated that the company has systematically lowered its settlements amounts year after year (as against increasing inflation) and actively adopts a â€œdeny, delay and defendâ€ policy.The simple truth is that dealing with Liberty Mutual is unlikely to be easy. You must be prepared to fight hard for the compensation you deserve.
What are the steps you must take immediately after your accident?
Filing a successful claim with Liberty Mutual, or any other insurance company will often depend on laying a solid foundation for your claim. Doing this will typically depend on taking certain specific actions in the aftermath of your accident. This includes:
Seeking and obtaining medical attention immediately after the accident.
Obtaining a police report. Call 911 immediately after the accident to get law enforcement on the scene. The police officer will typically make a report of the accident. Be sure to ask for a copy.
With your mobile phone, take pictures of the accident scene and record a video if you can. Try to capture the damage done to both vehicles, skid marks on the road, and the general surroundings of the scene.
Speak to witnesses if you can and collect their contact information.
As soon as you can, write down all you can remember about the accident. This lets you maintain a coherent account of the event.
Speak to a Liberty Mutual claims attorney as soon as possible.
Contact your Liberty Mutual insurance agent soon after the accident, if you are a policyholder with the company.
Be sure to keep contact with the insurance agent to the bare minimum. Relate the facts precisely as they are, do not share any opinions you may have on the accident.
Do not sign any documentation or agree to anything until you have spoken to a Liberty Mutual claims attorney.
What is the process for filing a Liberty Mutual claim?
The process of filing your Liberty Mutual claim starts with contacting the insurance agent. They should typically inform you of what you need to do, to begin with, your claim. Most insurers usually encourage policyholders and other claimants to take advantage of their electronic channels for their claims process. You can start with the Liberty Mutual Claims Center here.You may also file the claim by sending a paper document with supporting documentation attached, or you may submit your claim by phone, email, or through their mobile app. Regardless of which medium you choose to file with, keep in mind that you will be required to provide certain information.If you have reservations about filing the claim yourself, contact the Liberty Mutual claims attorneys at Dismuke Law for assistance.
What information do you need to file your claim?
In order to ensure your claim is processed in a timely manner, you must be prepared with all the relevant information that will be required. This includes the following:
Your insurance policy number or, if you are filing a third-party claim against another driver, the driverâ€™s name and insurance policy number.
A copy of the traffic crash report.
Contact information of all passengers involved in the accident, if there were any (usually in the traffic crash report).
Contact information of all witnesses that were at the scene of the accident (usually in the traffic crash report).
Documentation and evidence you have from the scene of the accident including any video or photos you have from the scene.
Wage loss information, as well as documentation from your health care providers regarding your restrictions due to the traffic crash.
Comprehensive information and documentation about your injuries from the accident, including medical records and bills.
Details of other losses you suffered from the accident, such as vehicle damage.
What happens after you file your Liberty Mutual claim?
A claim number will be assigned to your claim immediately after filing. This number serves two purposes. First, it facilitates the internal processing of your claim within the insurance company and distinguishes it from the thousands of other claims they routinely receive. Second, it enables you to track the progress of your claim whenever you need to.Once your claim is filed, the company will typically assign the claim to a loss adjuster who will proceed to investigate your claim. The investigation will sometimes include a visit to the scene of the accident and speaking with any witnesses you provided. They may also want to inspect the damage to your vehicle.Sometimes, the loss adjuster may call you up, asking you to provide a recorded statement as part of the claims process. Do not give a recorded statement without first speaking with a Liberty Mutual claims attorney. The loss adjuster will try to trip you up with leading questions and will try to elicit responses that may damage your claim.
When should you contact a Liberty Mutual claims attorney?
Ideally, this should be one of the first things you do in the aftermath of your accident. Insurance companies are usually happier to deal with claimants that do not have an attorney representing them. This emboldens the insurers, and they will try to rush you into accepting a low-ball settlement offer. Click here to understand better what your case is worth.Donâ€™t be fooled, though. The settlement offer will typically be significantly lower than what you deserve, and if you accept the offer, you will effectively be relinquishing all your rights to complain. It is best overall to contact an attorney before you begin the claims process.
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I would like to personally Thank Mr. Dismuke and his team for always being there for me during a very frustrating and difficult time. I called Mr. Dismuke and his team and immediately they sent an investigator out within 30 mins of our phone call and two hours later they were calling me to schedule doctor appointments. Jennah his asst has been just wonderful I recently suffered a severe concussion due to a drunk driver that hit me and my 4yr old son. Jennah has taken the time to schedule all of my appointments that were needed to get me on the right track to feel like my old self. She has also taken the liberty to text me all the information that I needed which was a relief for me because it’s hard to remember a lot of things. This whole process has just been headache-free. Thank you and your team for being just so awesome and understanding!!
Cristina has always been very helpful.
Cristina has always been very helpful to other paralegals in Florida and the nation. Thank you.
- Meg H.
Jennah was always very professional, positive, friendly, and willing to help.
Jennah Williams previously worked for me for a few years. During this time Jennah pushed herself to learn about the operation until she was able to do any task. Jennah was always very professional, positive, friendly, and willing to help. It was a sad day when she left.
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A few years ago, my son was injured in an auto accident. We called attorney David Dismuke as we were told that his paralegal Cristina was one of the best. They did not disappoint. If either myself or my son ever needed an attorney again, Dismuke Law is the first place we would call.
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David and his team were great at keeping me informed and involved in the entire process for my case. Chris is down to earth and never wavered in his confidence as we approached the final days of the process. As advertised, Dismuke Law delivered the results I was hoping for. I highly recommend Dismuke Law.
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Mr. Dismuke and his staff's dedication and service to his clients are unparalleled. He was always there to help answer any questions. I am very happy with the end result, and that is hard to do especially in such a difficult situation. I would highly recommend this firm - simply the best!
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I would highly recommend Dismuke Law to anyone in need of a personal injury lawyer.
David's attention to detail, honesty, and caring attitude toward clients, staff, fellow colleagues, and others is what makes him one of the best lawyers in Polk County. I would highly recommend Dismuke Law to anyone in need of a Personal Injury Lawyer.
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If I ever need an attorney again, they'll be who I call.
After my car accident, I didn’t really want to deal with anything. I was already going through so much dealing with the pain, Doctor’s and physical therapy. But the team at Dismuke Law made this process very easy. All the people in that office are amazing and so nice. They made sure my case was handled and completed in a timely fashion. It really went by so quickly. The people are so sweet and understanding of what you're going through, especially Alexis Costa!! She is a sweet and intelligent young woman. She went out of her way to make me feel comfortable and explain things to me that I didn’t understand. I just really want to Thank the team at Dismuke Law for everything that y’all done for me. If I ever need an attorney again, you’ll be who I call. Thank you!!
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Great customer service!
Great customer service, Nicole was a tremendous help on the phone!
- Jen H.
Now I understand why, this is proactive, get things done kind of firm.
I never needed an attorney before February, not sure who would be the best option for me after my accident. I started by looking at reviews, and after checking out several firms, I decided on Dismuke Law. The firm had the best reviews and everyone seemed happy at having chosen Dismuke Law. Now I understand why, this is proactive, get things done kind of firm. I was in need of medical and dental attention after my accident, not being able on my own to get what I needed everyone went into action, getting my problems taken care of. One of my biggest things was that my dentures were broken in my fall, I was getting married in a couple of weeks, and refused to get married without them. I will be picking up my dentures on Thursday, March 28, and getting married March 30th. This would have never happened if it had not been for Alexis Costa. She is the best. When she realized how upset I was she began getting me answers as to where to go and what to do so I could get what I needed and not have to cancel my wedding. Also a big Thank You to Jennifer, one of the investigators, she came to me very quickly to get the process started. I spoke with Mr. Dismuke by phone, he is a very caring and understanding man, explaining every step of the process as we go along. I know I have forgotten others that I have spoken to in the office, but please know I appreciate and thank each of you for everyone that has and continues to be there for me in this process. YOU ARE ALL THE BEST!
- Sandy N.
David is professional and has a vast knowledge of his field.
I’ve personally known David for many years. He is professional and has a vast knowledge of his field. I would highly recommend using Dismuke Law.
- Ashley B.
The staff was amazing!
I was referred by a friend. The staff was amazing. Jennah was very accommodating and was able to answer all of my questions. I would highly recommend this law firm.
- Connor V.
Very knowledgeable and friendly.
As a colleague of Will Dennis, I highly recommend him. Very knowledgeable and friendly - the kind of lawyer you want to build a relationship with. He pulls from a deep and diverse knowledge base and is one of the hardest workers I know. He spent years serving our great State of Florida prosecuting criminals, and now all that courtroom experience is available for hire. A great lawyer and a great guy.
- Garrett C.
I will definitively rely on this office for all my legal needs.
I randomly called this office seeking legal advice and had the pleasure of speaking with Stephanie, she was very polite, helpful and put me at ease regarding my legal needs. Stephanie was the first person I spoke to and based on my interaction with her I will definitively rely on this office for all my legal needs. If you are looking for any help regarding legal needs, I highly recommend giving Stephanie a call so she can lead you to the right person for you.
- Kyla E.
David Dismuke is an expert in his field and maintains a “client first” perspective that gets results!
I have had regular communications with this firm for over a year and a half now. Each time I am impressed. Jennah, whom I have spoken with most often, is always prompt in returning my emails/calls. She is always professional, knowledgeable, and compassionate- which is exactly what you need during such a stressful time. David Dismuke is an expert in his field and maintains a “client first” perspective that gets results! I have and will continue to recommend Dismuke Law.
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