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Do You Have A Liberty Mutual Injury Claim In Rhode Island?
If You Have Been Injured In A Rhode Island Automobile or Motorcycle Accident And Are Now Facing An Injury Claim With Liberty Mutual Insurance Company, We Can Help Make Sure You Get The Compensation You Truly Deserve
Getting injured in an auto accident is a stressful process both physically and financially. The impact of the injury and resulting financial strain are worrisome enough without also having to face the prospect of battling an insurance company. A Liberty Mutual injury claim is notoriously difficult to navigate, particularly since they tend to pay out less than most insurers.
If you or a loved one has been injured in an accident, chances are you are seeing medical bills pile up and may even be dealing with a loss of income. An experienced Liberty Mutual Injury Claim Lawyer can help fight back against the insurance company, and make sure that you get the compensation you deserve. We have been handling automobile and motorcycle accident claims against Liberty Mutual for over 30 years, so we have the experience necessary to do battle with the team of adjusters and lawyers Liberty Mutual has on staff.
What To Expect When Dealing With A Liberty Mutual Injury Claim
Liberty Mutual is currently the 6th largest auto insurance company in the United States. With over 45,000 employees and operations in 29 countries, it is no wonder that so many people trust Liberty Mutual to protect them.
Like most insurance companies, however, when it comes to filing an injury claim Liberty Mutual can be extremely challenging to work with. If you have been injured in a car accident and the driver was insured with Liberty Mutual, you still deserve compensation for your injuries — even if Liberty Mutual is being difficult with your injury claim.
After an accident with someone who is insured by Liberty Mutual, you will likely hear from one of their insurance adjusters relatively quickly. The adjuster’s role is to collect as much information as possible about the incident and resulting injuries so that they can determine how much they believe your claim to be worth. We recommend never speaking with a Liberty Mutual insurance adjuster before reaching out to an experienced Liberty Mutual injury claim lawyer. Your lawyer will communicate with Liberty Mutual on your behalf so that you do not accidentally find yourself in a situation where they are going to pay you less than you deserve.
Here are the main documents that a Liberty Mutual injury claim adjuster will be trying to get from you when they first get in contact:
- Recorded Statement - This is your official statement detailing the events of the accident that led to your injuries. The insurance adjuster will record each and every word you speak for potential use at a later date. Be aware that they are looking for any gap in your story or any missteps you make in order to avoid paying you down the road. It is rarely in your best interest to give a recorded statement and you should NEVER do so before speaking with an attorney.
- Medical Release Authorization - This is a document that will grant Liberty Mutual access to your medical records — not just from the accident, but from your entire life! Insurance companies want to try to access all of your medical records so that they can attempt to make the argument that the injuries you are suffering from are not actually due to the accident you were involved in but are instead due to some pre-existing condition. They will happily dig through your entire medical history in an effort to avoid paying you. If a Liberty Mutual insurance adjuster asks you to sign a medical release or any other form of authorization, DO NOT sign it before reaching out to a seasoned Rhode Island personal injury lawyer to discuss the situation.
How Does Liberty Mutual Determine What My Claim Is Worth?
Liberty Mutual (as well as many other insurance companies) will sometimes use computer software to determine how much they believe your injury claim to be worth. The insurance industry claims that the use of such software helps them to be more consistent in their payouts while eliminating human error and bias. Many people, however, understandably believe the use of this software is enabling Liberty Mutual and other insurance companies to severely underpay people.
Whether Liberty Mutual is using insurance software or human review for your injury case, there are a number of factors they will review before determining what they feel your claim is worth. Some of the information they will review includes:
- The specific injuries which were documented
- The type of medical care that was performed for these injuries
- The duration of medical care that was necessary
- The names and contact information for all medical providers involved
- Any specialties of these providers
- The average costs for these treatments in your area
- The actual costs you sustained
- Your use of a seatbelt or any other safety measures
- Any other aggravating factors in the case
- Lost Wage Information
- Length and severity of your disability
If Liberty Mutual tells you that they have determined your case is worth far less than you believe you ought to be receiving, you need to remember that this is not the end of the road. Reach out to an experienced Liberty Mutual injury claim attorney right away to discuss your case and make sure that Liberty Mutual is paying you the full amount you rightly deserve.
Why You Should Call A Lawyer BEFORE Working With Liberty Mutual For Your Injury Claim
Insurance companies are for-profit organizations and you need to make sure you keep this in mind when working on your Liberty Mutual injury claim. Any information you provide Liberty Mutual will be used to try to pay you as little as possible — or even avoid paying you altogether. Before you provide any information to the Liberty Mutual insurance adjuster or sign any forms they send your way, you should contact a lawyer to discuss your case.
An experienced Liberty Mutual injury claim lawyer will be able to help make sure that any information provided to the insurance adjuster is accurate, serves your best interests, and cannot inadvertently be used against you. If, after submitting your injury claim and all related information, Liberty Mutual believes they owe you nothing or even a payout that is far too low, an attorney will be able to help you determine the best way to continue to fight your case.
Frequently Asked Questions
Is Liberty Mutual good at paying claims?
While Liberty Mutual is one of the most popular auto insurance companies in the country, they have a below-average customer service rating and tend to get more complaints than other insurance companies of the same size. They do provide many discounts which their customers like, but people have found challenges when it comes to actually getting paid out for an injury claim.
How long does it take to settle a claim with Liberty Mutual?
The length of time it will take Liberty Mutual to settle your claim completely depends on the complexity of the claim itself. A simple claim for property damage with no personal injury to any party could be settled in a matter of weeks, while a more complicated case involving severe injury could take years to resolve.
Is it worth it to hire a lawyer for a Liberty Mutual injury claim?
If you or a loved one has been injured in an accident and are now facing a Liberty Mutual injury claim, it is always worth it to at least discuss your case with an experienced personal injury lawyer before accepting any settlement or denial from Liberty Mutual. An experienced Liberty Mutual injury claim lawyer will be able to review your case and provide you with advice as to the best way to proceed.
CALL NOW IF YOU HAVE BEEN INJURED
"If you have been injured, you may be entitled to compensation. The only way to know for sure is to call now. "
Finding The Best Providence Liberty Mutual Injury Lawyer
Choosing a personal injury lawyer in Rhode Island to help with your Liberty Mutual injury claim is a very important decision. A great lawyer will be able to evaluate your case quickly and provide advice so you can make informed decisions about your future. No attorney should ever pretend to know the exact value of your Liberty Mutual injury case without first discussing it with you, and you should never pay for an initial consultation. The law office of Louis W. Grande, Personal Injury Lawyers handles Liberty Mutual injury claim cases on “contingency” contracts, meaning that you never pay until we win your case. We only get paid if you get paid.
AWARD WINNING INJURY LAWYER
Louis W. Grande is a top-rated, award-winning Providence personal injury lawyer that has helped clients throughout the state of Rhode Island for the last 30+ years recover millions in compensation for personal injury claims. Have you been injured? Call today for a free case evaluation.
Louis is an amazing attorney! He fights hard to get you what you deserve and he doesn’t give in. You couldn’t ask for a better lawyer to represent your interests and I can’t recommend him enough!
– Steve H.
TOP-RATED PROVIDENCE LIBERTY MUTUAL INJURY CLAIM LAWYER
Louis W. Grande, a Providence personal injury lawyer and winner of The Providence Journal’s 2020 Reader’s Choice Award for Best Lawyer and Best Law Firm is committed to providing quality legal representation and above all, personal attention to our clients’ individual needs. Conveniently located within minutes of downtown Providence on historic Smith Street, there is never a charge for an initial consultation. With evening and weekend appointments available, when your personal problems call for an experienced Rhode Island Liberty Mutual Injury Claim Attorney, our firm is ready to assist you.
- No fee or cost until we win your case.
- Receive the maximum compensation for your injuries.
- Personalized and professional service.
- No need to face Liberty Mutual on your own
Before talking with Liberty Mutual about your injury claim, be sure to call our office. We are here to serve you 24 hours a day, 7 days a week. We aggressively defend the rights of people injured in accidents in Rhode Island. We will keep you updated on the status of your Liberty Mutual injury claim at all times while explaining the process and what you can expect following an accident. We are fully committed to getting the most money we can for you.
The time following an accident is stressful, and we are here to offer you our legal support by fighting aggressively to defend your rights. No matter your legal situation, if you have been in an accident and are facing a Liberty Mutual injury claim, you should be fully compensated for your injuries.
Our goal is to get you the compensation you and your family deserve to relieve the financial impact following an accident. Contact me now for help.
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