Liberty Mutual is considered among the top providers of insurance worldwide, and it has a reputation for excellent products and outstanding customer service. Whether you need life, commercial, auto, or home insurance, this provider will have you covered. When you’ve experienced an auto accident and need to file a claim through Liberty Mutual, you must keep the strict time limit in mind. Insurance contracts often have clauses that all accidents must be reported within 24 hours of the crash. However, the failure to do so has essentially no consequences on you claim.
Why is Auto Insurance Important?
Auto insurance is mandatory under federal law for all motorists, and not having it can lead to hefty penalties including fines and driving bans. However, the need for appropriate cover runs much deeper than the legal ramifications of not. For example, if your vehicle is stolen or involved in an auto accident, an insurance policy gives you financial protection. The types of damages covered by auto insurance include:
- Property damage.
- Medical expenses.
- Loss of earnings.
- Pain and suffering.
- Personal liability.
When Should Motorists Claim on Insurance?
When you’ve been involved in an accident, your vehicle has been damaged, or your car has been stolen, you will need to claim insurance. To ensure the best results, it’s important to start this process swiftly. However, we understand how traumatic accidents can be, which is why our expert road traffic accident lawyers will speak on your behalf every step of the way.
What Is the Liberty Mutual Insurance Time Limit?
Every insurance company has a strict set of rules that policyholders must follow, and Liberty Mutual is no different. Unfortunately, there isn’t a one fits all answer to this question, as it all depends on the extent of the policy and what sort of incident is being claimed for.
In most cases, Liberty Mutual advises all policyholders to file claims as soon as they can following an incident. To find out the time limit (claims window) for your specific policy, it’s always best to read all official documentation in full. Alternatively, you can give our motor vehicle accident lawyers copies of your policy and we will make contact on your behalf.
Why Is Sticking to The Claims Window Important?
Rules and regulations are in place to ensure a smooth operation and to keep motorists safe, which is why it’s important to stick within the claims window. Here are some more reasons why your claim must be filed on time:
- Circumvent disputes. When you file claims on time, you avoid getting into disputes with Liberty Mutual, which strengthens your case.
- Preserving evidence. The success of an auto accident claim is determined by the quality of evidence – time has a way of allowing evidence to weaken.
- Eligibility. Having a claim denied comes with a terrible feeling and a world of stress, but it’s what will likely happen if you file a claim past the deadline.
How to File Your Liberty Mutual Insurance Claim
Understanding why it’s essential to file your claim within your given window is only half of the battle, you have to know how to file your Liberty Mutual Insurance claim.
When you’re involved in an auto accident, your personal safety is the most important factor. If you’re able to, move your vehicle to safety and turn the hazard lights on – then you have to find a safe space away from the road and assess for injuries.
Incident Reporting, Information Gathering, Medical Assessments
Federal law dictates that all auto accidents must be reported to the police in the event of property damage, injury, or death, so make sure you call 911 to report the incident. While you’re waiting for the police to arrive, begin gathering essential information:
- Contact and insurance information for all involved.
- Photos and videos of the scene from every angle.
- Details for any potential witnesses.
- Document information about how the accident happened.
When the police arrive, it’s important to make sure you speak to them in as much detail as you can – you will need their investigative report to win your insurance claim. Before you leave the scene, make sure you collect the police incident number because you need it to file your claim.
Regardless of how serious you feel your injuries are, it’s essential to have a thorough medical assessment. As with the police incident number, make sure you retrieve your medical records.
Communicating with Liberty Mutual
Now it’s time to contact Liberty Mutual to notify them of the incident. If you have been hurt in a car crash you should consult with an experienced personal injury attorney before speaking with any insurance company.
Once Liberty Mutual has all the information by way of your attorney, all injuries and damage sustained will be assessed by an insurance adjuster. As with every other step, it’s important to be open and honest with any questions they may need to ask.
After the assessment process has finished, a Liberty Mutual representative will liaise with your lawyer to reach an agreement for compensation and repairs.
Why You Need a Car Accident Lawyer
Even though you can deal with Liberty Mutual without legal support, that doesn’t mean you will receive fair compensation. Some insurance companies will manipulate auto accident trauma to push for an inadequate settlement.
To avoid being handed an unfair compensation rate, contact us for a free consultation. When you choose to put your trust in us, we bring you the best car accident attorneys with a proven track record of success.
Even though winning the claim can help rebuild your life, we know that it’s not all about the money, which is why we offer free consultations and a “no fee unless you win” policy. You have absolutely nothing to lose, but a lot to gain. Additionally, we approach every case with compassion, which is why we treat every case individually and work hard for your cause.
Having auto insurance protects you and other motorists, and Liberty Mutual is an excellent option. As with any insurance provider, all you need to do is follow the rules outlined in your policy, which includes the claim window.
Call Karns & Karns Personal Injury and Accident Attorneys now at (888) 779-1180 for a free consultation.