Liberty Mutual Insurance Accident Claims in Pittsburgh

On This Page

1. When to File a Claim With Liberty Mutual
2. How Liberty Mutual Auto Insurance Accident Claims Work in Pennsylvania
3. How to Handle a Bad Faith Insurance Denial From Liberty Mutual
4. Get Help From a Pittsburgh Car Accident Lawyer Today

REVIEWED BY

C. William Kenny

February 02, 2022

Board certified by National Board of Trial Advocacy

Unfortunately, no matter which insurance company you need to file a claim with, insurance adjusters may try to take advantage of you. When you file Liberty Mutual insurance accident claims in Pittsburgh, you should be prepared to fight for the compensation you need to pay your medical bills and other accident-related losses.

Dealing with a money-hungry insurance company when you are struggling to cope with your car accident injuries can be a challenge. But when you have a Pittsburgh car accident lawyer at Berger and Green representing you, we can help you show Liberty Mutual that you mean business and ensure your legal rights are protected.

When to File a Claim With Liberty Mutual

Under 75 PA Cons Stat § 1713, Pennsylvania is a modified no-fault state for auto insurance. This means you will file your claim for your initial medical bills and possibly wage loss with your auto insurance provider, no matter who was at fault for the accident. If Liberty Mutual insures you, you will need to file your claim with them.

However, you may still wonder whether filing a claim is necessary. Won’t doing so increase your premiums? 75 PA Cons Stat § 1793 and 1799.3 limits the ability of insurance companies to raise your rates when another driver is at fault or where you seek medical benefits. Furthermore, your damages may exceed any applicable rate increase. 

You may want to speak with your car accident lawyer to find out whether filing an insurance claim is covered by these limitations and is the best decision for you. 

How Liberty Mutual Auto Insurance Accident Claims Work in Pennsylvania

Once you have discussed the details of your case with your car accident lawyer, you may be wondering what to expect from the Liberty Mutual auto insurance accident claims process. Here is a quick step-by-step guide of what to expect from your claim:

1. Start by reporting the accident to Liberty Mutual. (This is not the same thing as filing a claim.)
2. Instead of making a statement to the insurance company yourself, tell the adjuster they will need to speak to your car accident lawyer to get your statement.
3. Examine your auto insurance policy to ensure you understand what it covers.
4. Speak with your lawyer and determine whether to file a claim with the insurance company.
5. If you decide to make an insurance claim, an insurance adjuster will review your claim to determine whether it should be approved or denied.
6. If your insurance company offers you a settlement, you can choose to accept it, consult with an attorney or continue to negotiate. However, if you settle a claim, this may release your ability to make another claim later. 
7. If you accept your insurance settlement, you should receive your payout shortly thereafter.
8. If Liberty Mutual refuses to give you the settlement you deserve, your lawyer can help you file a lawsuit. 

Of course, each Liberty Mutual auto accident insurance claim will be handled differently, depending on who your insurance adjuster is and the details of your case. 

How to Handle a Bad Faith Insurance Denial From Liberty Mutual

Sadly, it is more common than you might think for insurance companies to deny claims in bad faith or make “low-ball” offers. This occurs when insurance adjusters deny or undervalue an insurance claim without good cause. 

Because insurance denials are common, your attorney will be prepared to handle any denial you may receive from Liberty Mutual. Your denial letter should state the reason for your denial. However, your attorney can contact Liberty Mutual to discuss their reasoning and attempt to resume negotiations. 

In some cases, by providing the insurance company with additional medical records or other supporting documentation, they may be willing to offer you a higher compensation amount that covers the damages you have suffered. Otherwise, they risk being taken to court for bad faith insurance practices.

Get Help From a Pittsburgh Car Accident Lawyer Today

Filing claims with Liberty Mutual or any other insurance company can be a difficult process for many car accident victims and their families, especially while you are trying to focus on healing from the trauma of the accident. 

If you would like help filing a Liberty Mutual insurance accident claim in Pittsburgh, or if you have received a denial for your claim and wish to dispute it, reach out to us at Berger and Green for a free consultation by calling at (412) 661-1400. We have over 40 years of experience and are ready to help you fight for the compensation you need to pay your medical bills and other accident-related expenses.