If you or somebody you love has been injured in an accident and you are insured with Liberty Mutual, then you need to know the steps to take in order to recover compensation for your losses. Even though the “liberty, liberty, liberty” jingle may run through your head when you think of your insurance carrier, the reality is that their claims adjusters may not be as helpful as you’d like. Here, we outline the basic steps to filing an insurance claim with Liberty Mutual so that you can recover the compensation you need.
The number one step that many people skip, or at least do not take very seriously, is the importance of medical care after a car accident occurs in West Virginia. When you work with Liberty Mutual, one of the first things they are going to ask is whether or not you have sustained an injury.
It is important for individuals to seek medical care right after a vehicle accident occurs. If crash victims choose not to take an ambulance to the hospital, they still need to go to an emergency clinic or doctor for an evaluation. This establishes a solid link between the crash and any injuries that occurred and also helps ensure the individuals receive treatment for all injuries, even those they may not necessarily know about right away.
If you are able to gather evidence at the scene of the crash, this will be beneficial. We understand that this may not always be possible, but the more information you can give to Liberty Mutual related to your claim, the better.
At the scene of a crash, this can include taking photographs of vehicle damage, traffic conditions, weather, debris and skid marks, injuries, and more. If you see any eyewitnesses to the crash, you should get their names and contact information so these individuals can be contacted by Liberty Mutual later on.
There are various ways that you can file your claim with Liberty Mutual, but we encourage you to do this as soon as possible. This insurance carrier, along with others in West Virginia, requires that claims be filed within a day or two after they occur. You can contact Liberty Mutual by phone by calling 1-844-525-2467 or by going to their online portal and initiating the claim. Additionally, Liberty Mutual also has an easy-to-use mobile app.
When you give your initial report, you do not have to go into much detail about the accident. The insurance carrier does need to know that you are seeking medical care, and they will want information about where the accident occurred, who was involved, and which police agency responded.
The reality is that Liberty Mutual is a for-profit company that will use various tactics to lend how much money they payout in a settlement on your behalf. If you are found to be partially responsible for the incident, this could limit how much compensation you receive. We encourage you to contact a skilled Martinsburg car accident attorney who can examine the facts of your case, gather the evidence needed to prove liability, and stand up to aggressive Liberty Mutual claims adjusters to help you recover full compensation for your losses.