Liberty Mutual Claims
  • Tampa Bay Trial Lawyers Association
  • Central Florida Trial Lawyers Association, Proud Member
  • Polk County Trial Lawyers Association, President
  • Motor Vehicle Top 25 Trial Lawyers
  • BBB A+ Rating
  • Lawyers.com 5.0 Client Rating
  • Super Lawyers Rising Star
  • Central Florida Trial Lawyers Association, Proud Member
  • Florida Justice Association - Eagle Member
  • Martindale-Hubbell AV Preeminent Rating
  • National Top 100 Trial Lawyers
  • The Florida Bar Board Certified Civil Trial

Liberty Mutual Claims Attorney

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.

What is it like to deal with Liberty Mutual?

Liberty Mutual is the fourth-largest insurance company in the US. With more than 800 locations in over 18 countries around the world, there’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 “responsibility.”

However, once again, like most insurers, Liberty Mutual’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 the Ten 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 “deny, delay and defend” policy.

Contact us today at (863) 292-6922. We have offices in Lakeland and Tampa and represent clients across Central Florida.

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 driver’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.

Don’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.

If you wish to get started on processing a claim against Liberty Mutual or any other insurance company, our attorneys at Dismuke Law can help. Call us today on 863-292-6922.

WHY DISMUKE LAW?

  • Decades of Experience

    Dave has dedicated 15 years and a significant portion of his practice to auto accidents and has well-trained staff in place to help you.

  • We Treat Clients with Excellent Personal Service, Respect & Dignity

    Our core belief is that every detail must be studied, that every adversary must be out prepared and outworked and that every client must be treated like they are family.

  • Personal Injury is All We Do

    Dave is a Florida Bar Board Certified Civil Trial Lawyer and focuses his practice on automobile accidents.

Still Have questions?

Watch Our Videos to Learn More
/

Testimonials

Hear What Our Clients Have to Say
  • Dave and his staff worked hard for me and always did what was in my best interest.

    “I would definitely recommend him to anyone who needs representation.”

    - Rena S.
  • Dismuke Law is who I will use for the rest of my life. Definitely worth the phone call!

    “I recommend him to friends and family every chance I get.”

    - Shawn B.
  • Dismuke Law is the first place we would call. They did not disappoint!

    “If either myself or my son ever needed an attorney again, Dismuke Law is the first place we would call.”

    - Daniel R.
  • Dismuke Law delivered the results I was hoping for.

    “David and his team were great at keeping me informed and involved in the entire process for my case. I highly recommend Dismuke Law.”

    - Jessie S.
  • 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.”

    - Courtney A.
/

Proven Track Record of Success

  • $10 Million Judgment - Polk County

    Judgment of $10 million for a client due to injuries sustained in an auto accident.

  • $7.25 Million Jury Verdict - Polk County

    Polk County jury awards judgment for wrongful death case.

  • $1.1 Million Settlement - Hillsborough County

    Wrongful death auto accident settlement for $1,100,000.

  • $800 Thousand Auto Accident Settlement - Hillsborough County

    Attorney David C. Dismuke negotiates a settlement in disputed causation surgery.

  • $754 Thousand Auto Accident Settlement - Hardee County

    Attorney David C. Dismuke obtains a verdict in Hardee County.

/
We Remove the Fear  of Going Through the Process of a Personal Injury Claim

The team at Dismuke Law understands how our clients are affected by accidents and brings that empathy to the courtroom and settlement table every day.