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How to File a Car Accident Claim With Liberty Mutual in Texas

Liberty Mutual is one of the fastest-growing insurance companies in the US. It currently makes over $43 billion in consolidated revenue per year. At Liberty Mutual, policyholders are shareholders, rather than the company being publicly traded. That does not, however, change the way Liberty Mutual treats its policyholders or handles auto accident claims. If you need to file a car accident claim with Liberty Mutual in Texas, take certain steps to protect your rights. Otherwise, you could accidentally settle for less than you require.

Fulfill Your Responsibilities as a Driver in Texas

Avoid giving Liberty Mutual a reason to question or deny your claim. Fulfill your responsibilities as a driver after an auto accident to protect your right to insurance benefits. Stop at the scene and call the police if the crash caused at least $1,000 in vehicle damages or any personal injuries (to yourself or others). If you have injuries, go to a hospital right away. Delaying medical care could be a red flag for Liberty Mutual. It could make the insurer assume your injuries were not serious, or else allow the company to allege that you contributed to your own injuries by delaying treatment.

Request copies of your medical bills and records. While still at the scene of the car accident, obtain the other driver’s name, address, phone number, license number and insurance information. The police often help victims retrieve these facts about the crash. Write down your police report number. Do not admit fault to the peace officer or the other driver. Remain as polite and cooperative as possible, but do not apologize or accept fault. Keep copies of any documents connected to your car accident for your Liberty Mutual insurance claim later.

File Your Liberty Mutual Claim as Soon as Possible

Liberty Mutual asks anyone with a car accident claim to file as quickly as possible. Before you make the call, however, consult with a Houston car accident lawyer. Navigating the claims process can be tricky. When you are ready, dial 1-877-501-2467 to speak directly to a representative at Liberty Mutual to file your claim. The company also has an online auto claims process that takes just 5 to 10 minutes to complete. Someone from the company will get back to you shortly after you submit your online claim for a further discussion about your wreck.

Tips for Maximizing the Value of Your Liberty Mutual Claim

Filing your car accident claim is just the beginning. Once Liberty Mutual receives your claim and contacts you, the real work begins. It is critical to safeguard your rights during any conversation with an insurance claims adjuster from Liberty Mutual. Be polite to the adjuster, but keep in mind the company will want to minimize your recovery. Protect yourself from common tactics and bad faith attempts with a few proven tips.

  • Be careful what you say. Do not tell an insurance agent you think you caused the crash. Limit what you say to the shortest answers possible – ideally, yes or no. Do not offer any information the adjuster does not request and do not give long or narrative answers.
  • Do not agree to give a recorded statement. A recorded statement is a tactic Liberty Mutual may use as ammunition against you. Liberty Mutual could use your statement against you later in an effort to undermine your reliability as a witness.
  • Do not sign anything. If Liberty Mutual sends you anything to sign – especially a document asking your authorization to access medical records – send it to an attorney first. Release forms may invade your privacy and give the insurance company unlimited access to your medical records.

The top tip for maximizing the value of your car accident claim is to hire a lawyer to do the negotiating for you. A plaintiff’s attorney will have insider knowledge about how to navigate the car accident claims process with Liberty Mutual while optimizing results. A lawyer can field phone calls from insurance adjusters, review all paperwork sent to you, advise you about your rights as a claimant and argue for maximum compensation on your behalf.