When it comes time for you to negotiate with Liberty Mutual Insurance Company, make sure you have an expert on your side. Otherwise, the process can feel like an exercise in futility. The company’s insurance claims adjusters will use all kinds of bad faith tactics to deny you the compensation you need to recover from a crash.
Fortunately, you’re not fighting alone. Indiana personal injury lawyers can mediate with insurance adjusters on your behalf. We can negotiate with Liberty Mutual and other insurance companies so you can focus on recovering from the accident.
Start Building a Record of Your Communications
Unfortunately, you can never trust an insurance company, including the likes of Liberty Mutual, to prioritize your best interests after an accident. If you want to stay one step ahead of the company’s attempts to minimize your right to recover, you need to build a communication of your records with the company.
This means making a copy of the claim you file after a serious accident. It also means requesting all information about the claims process and your claim’s status in writing. Do not allow insurance claims adjusters to say one thing in person and another over email.
Likewise, do not provide insurance claims adjusters with statements about your accident over the phone or in person. Insurance claims adjusters will use your statements against you. When communicating with an insurance company like Liberty Mutual:
- Avoid speculating about your accident
- Stick to the facts
- Keep conversations in writing
- Consult an attorney for support
Your Case Will Get
The Attention It Deserves
Learn to Recognize Bad Faith Behavior
You can work with an Indiana personal injury lawyer ahead of time to identify the most common forms of bad-faith behavior that insurance claims adjusters can use to complicate your negotiations. These tactics can include the following:
- Failure to communicate after you file a claim
- Exacerbating the filing process
- Ghosting you after an initial consultation
- Denying you access to key evidence
- Consistently undervaluing your accident
Don’t Let Deadlines Deny You the Right to File
Insurance companies will use any excuse to deny you support after an accident. If you file a claim for support more than a few days after your accident, the company may claim that you were uninjured enough to delay reaching out. That claim can reduce the severity of your accident in the company’s eyes, making it harder for you to recover.
With that in mind, we encourage you to file an insurance claim with Liberty Mutual within 24 hours of your initial accident. If you’re seriously injured, consider electing a representative to file the claim in your name. This representative may be your personal executor, a family member, or a personal injury lawyer.
When to Reach Out for Legal Support
You do not have to interface with an insurance provider on your own. You have the right to reach out to an Indiana personal injury attorney within hours of your accident. We can go on to file an insurance claim on your behalf.
We can also begin to pave the way for you to file a personal injury claim against the party responsible for your accident. So long as you act within Indiana’s personal injury statute of limitations, you retain the right to demand financial support directly from the party responsible for your losses.
Your first case consultation comes free of charge, regardless of whether you intend to pursue an insurance claim or a civil claim.
Stand Your Ground When Describing Your Accident
After you file an insurance claim, you’ll likely have the opportunity to meet with an insurance claims adjuster to discuss the specifics of your accident. Insurance adjusters will use this opportunity to expand their understanding of your accident – and to try to save their employers money.
When describing your accident, stick to the facts. Do not speculate about the negligence that caused your accident. If you have evidence of misconduct, present it. All the while, do not admit fault and do not provide a recorded statement.
Insurance claims adjusters cannot pressure you into giving them undue information about your collision. Likewise, they can’t force you to give them a recorded or written statement about your accident. If you feel like an insurance adjuster is trying to intimidate you, let an attorney know. We can step in and protect your rights from willful misconduct.
Establish the Value of Your Claim in Advance
Insurance claims adjusters may often take extreme steps to deny you the compensation you deserve for your losses. The first settlement offer you receive from an insurance adjuster may significantly undervalue your accident.
With this in mind, don’t feel pressured to accept your first offer. Instead, work with an Indiana personal injury lawyer to outline the value of your claim ahead of time. You can determine the value of your claim by finding the dollar values of losses like the following:
- Property restoration
- Property rentals, if applicable
- Lost wages
- Emergency medical care
- Ambulance fees
- Physical therapy
- Long-term medical care, including surgeries
You may not hold an insurance claims adjuster financially responsible for your non-economic losses. If you want to recover damages based on your pain and suffering or emotional distress, you can discuss your right to file a personal injury claim against a negligent party.
Our Lawyers Can Negotiate With Liberty Mutual Insurance on Your Behalf
You don’t have to let insurance claims adjusters walk all over you. If you’re struggling to get the support you need from Liberty Mutual Insurance Company, we can negotiate with the company’s representatives on your behalf.
Vaughan & Vaughan will never let an insurance claims adjuster take your statement, misrepresent your losses, or treat you with anything less than kindness. If you’re ready to let our team go to bat for you, contact us today. Your first case consultation comes free of charge.
