3 Steps to File a Claim with Liberty Mutual

After an accident in New Jersey, you may be wondering who will help you pay for the financial losses you sustained, such as medical treatment or car repairs. Obtaining compensation is usually something that involves working with an insurance company. Insurance claims that arise out of negligence, though, are often moderated by the fault system a state follows. New Jersey’s no-fault system typically means that if you are in some type of accident, like a car accident, you would first file a claim with your own Personal Injury Protection Insurance (PIP). PIP covers certain monetary losses like medical expenses and potentially a portion of your lost wages if you are unable to work after your accident.

Beyond that, if your PIP coverage does not pay for the full cost of the damages you suffered, there are specific situations that would allow you the right to also file a claim against another party’s insurance. However, due to the complexity of New Jersey’s no-fault system, it is often best to work with an attorney who can help you get the most compensation sufficient for the entirety of your damages.

The auto accident lawyer at Monaco Law PC can help you if you are ready to file a claim for compensation. There are several insurance companies that you may have to work with when you file the claim; Liberty Mutual is one of them. This article will provide greater clarity on how to file a claim with Liberty Mutual and what to expect.

 Filing a Liberty Mutual Insurance Claim

There are the basic steps to filing a claim with Liberty Mutual:

1. Ensure that you gather as much evidence as possible immediately after your accident, including pictures, witness information, videos, medical records, and police reports.
2. Report your accident to Liberty Mutual by calling to speak to an agent. Or, you may report your accident and file your claim online. You can also file a claim if you have the Liberty Mutual app.
   1. After a claim is filed, an investigation will begin.
   2. The information from the investigation can determine fault.
   3. A settlement may be offered.
      1. Settlements can be countered, and negotiations can lead to a better offer.
3. When speaking to an agent, you do not have to provide a recorded statement, and you shouldn’t. Ensure you document all communication with Liberty Mutual or have your attorney manage communications on your behalf.
4. Call 1-844-349-8391 or 1-800-2CLAIMS
5. Report and file a claim online with Liberty Mutual, www.libertymutual.com/customer-support/claims-support
6. Liberty Mutual also has a mobile app where you can file a claim

When you file a claim with Liberty Mutual, the goal is to obtain a financial settlement or award that is enough to pay for all of your damages. Liberty Mutual is not unlike other insurance companies, where profits are prioritized over fair and reasonable compensation to claimants. In other words, if you are offered a claim, the first one is likely going to be much lower than you deserve, and the agent you work with will try and get you to accept it so they can close the claim. If you do this, and your claim is closed, your ability to obtain further compensation will be over. An attorney can protect you from agreeing to something unreasonable and far less than what you are owed.

 Speak to a New Jersey and Pennsylvania Personal Injury Attorney Today

If you would like to speak to an attorney about filing an injury claim in New Jersey, call our South Jersey personal injury lawyer at Monaco Law PC at (609) 277-3166 for our New Jersey office and (215) 546-3166 for our Pennsylvania office to discuss your case today.

We are a New Jersey and Pennsylvania personal injury law firm serving Atlantic County, Bucks County,  Burlington County, Cape May County, Camden County, Chester County, Cumberland County, Delaware County, Gloucester County, Mercer County, Middlesex County, Monroe County, Montgomery County, Philadelphia, Ocean County, Salem County, Susquehanna County and all of New Jersey.