How to File a Car Accident Claim With Liberty Mutual

If a car accident causes you physical injuries or property damage, filing a claim with an insurance company can result in financial compensation to pay for your losses. The process of filing a claim is more involved than you may realize if this is your first time dealing with a car accident. Knowing what to do and what to expect can help you protect your rights and seek the financial recovery that you deserve when filing a claim with Liberty Mutual Insurance.

What to Do After a Car Accident in Colorado

The claim itself is not the only thing that Liberty Mutual will look at when determining whether or not you are eligible for insurance benefits. During its investigation, it will also examine the steps you took (or did not take) immediately after the car accident. Take the following steps, if you can, to improve your odds of a successful claim:

1. Call the police to report the car accident immediately, even if it was just a minor fender bender.
2. Exchange names and contact information with the other driver.
3. Do not admit fault for the car accident to the other driver or the police.
4. Go to a hospital in Denver without delay to receive professional medical care.
5. Follow your doctor’s treatment plan and don’t miss any appointments.

For your own records, you should also take photographs while still at the scene of the accident and write down a description of the crash while the details are still fresh in your mind. Although Liberty Mutual does not have a deadline for filing a claim, it is best to file promptly for the strongest case.

3 Ways to File a Car Accident Claim With Liberty Mutual

Before you file your claim, gather information and documents to help make the process easier. This may include a copy of your police report and a description of what happened. The insurance company will ask for this information when you file. Then, use one of the three available ways to file a car accident insurance claim with Liberty Mutual:

1. Call (877) 501-2467 to report an accident claim via phone. Explain that you were in a car accident and wish to file a claim. You will be filing a first-party claim if you have Liberty Mutual and caused the crash or a third-party claim if you did not cause the accident and the at-fault driver has Liberty Mutual Insurance.
2. File a claim online through the Liberty Mutual website. You have the option of chatting with an expert online for help, if necessary. You can get a head start on your claim before filing by downloading and filling out the company’s other forms, such as the hospital visit form and accidental injury form.
3. Download and use the mobile app. Scan the QR code provided on the company’s claims information page to download the Liberty Mutual app onto your smartphone. You can use the mobile app to file your claim and upload photographs of your property damage directly from your phone.

After you file your claim, an insurance professional known as the claims adjuster will investigate your car accident to determine if its policyholder is to blame. If so, it will accept your claim and offer a settlement to cover your losses. If not, your claim will be denied.

Should You Accept the First Insurance Settlement Offer?

In no way is an initial car insurance settlement offer from Liberty Mutual the best or final offer, regardless of what the claims adjuster says. There is always room for negotiation. The best way to protect your legal rights during a car accident insurance claim in Colorado is by hiring a Denver accident attorney to represent you.

Your attorney can accurately evaluate your case and go up against Liberty Mutual on your behalf to pursue fair and full financial compensation for your losses. A lawyer can also connect you to top doctors in your city and make sure that you have everything you need to recover after a car accident. Call (303) 710-8623 today for your free car accident case consultation at The Fang Law Firm.