How to File a Car Accident Claim With Liberty Mutual

Whose Insurance Company Do I File a Claim with After a Car Accident?

You’ve probably learned that after a car accident, you should get the name, phone number, and insurance information of the other driver. There’s an important reason for this! If you were injured in a California car accident, you may need to file a claim with the other driver’s insurance company.

California is not a no-fault vehicle insurance state. This means that after an accident, the at-fault driver’s insurance is responsible for paying for the damages that resulted, including personal injuries and property damage. To hold the responsible party’s insurance provider liable, you file an insurance claim with them, not your car insurance company. You can file directly on your own or with the assistance of your insurance company, which will usually help when you notify them about the car accident.

If you have been injured in Florida or another no-fault state, you will likely file with your own insurance company. This post focuses on California claims, but if you have been injured in an accident in Florida, Gomez Trial Attorneys’ Florida office can provide you with more information. Schedule a free consultation today.

How Do I File a Car Insurance Claim with Liberty Mutual?

If the at-fault driver carries Liberty Mutual car insurance and you need to file a claim against Liberty Mutual, called a third-party claim, you can submit your claim:

• Online here

• By phone call 1-800-225-2467

If Liberty Mutual is your insurance provider and you need to file a claim with them, for example, in a situation where you were at fault, or your car was damaged in a hit and run, you can submit your claim:

• Online here

• Through the Liberty Mutual App

• By phone call, 1-800-225-2467

What Is the Deadline for Filing a Car Accident Claim with Liberty Mutual?

Currently, Liberty Mutual does not have a specific deadline for filing a claim after a motor vehicle accident, but you still need to act promptly. Liberty Mutual requires claims to be filed within a reasonable amount of time.

Additionally, filing an insurance claim is typically the first step before filing a lawsuit. Car accident lawsuits in California do have strict timelines. The deadline, called the statute of limitations, for filing a lawsuit for personal injury damages is two years in California. The statute of limitations for filing a suit for property damages is three years. Most car accident claims involve both personal injury and property damages.

As of the date of this post, Liberty Mutual does not have a specific deadline for filing a claim. After a car accident. However, there are still timelines to consider. Liberty Mutual requires that a claim be filed within a reasonable time.

Additionally, under California law, there are strict deadlines for filing a lawsuit. A lawsuit for personal injuries, which are usually the highest amount of damages, must be filed within 2 years in California. The deadline is 3 years for property damage.

Do I Need a Car Accident Attorney to File a Claim?

You do not need a California car accident attorney to file an insurance claim against Liberty Mutual, but we strongly recommend it. Multiple surveys and studies have shown injury victims recover more when they work with an attorney.

The sooner you hire an attorney, the sooner they can take over the work of pursuing compensation for you. We recommend hiring early because it is often in the early stages of claim filing and negotiations that insurance companies try to take advantage of unrepresented claimants by making lowball offers, strategic questioning, and other tactics. The sad reality is that insurance companies will negotiate more fairly when you are represented (and if they don’t, we will hold them accountable).

We recommend taking advantage of a no-cost, no-obligation case evaluation to learn more about your options and how an attorney might help.

What Happens After I File My Claim with Liberty Mutual?

After you file your claim, Liberty Mutual will begin investigating the claim. As part of this process, they will typically send an adjuster to physically evaluate your car. They will also have a representative contact you to ask questions about the accident and your damages. This is where you need to proceed very carefully! Insurance companies are notorious for tricking you into giving answers that hurt the value of your claim (or even completely undermine it.)

Once Liberty Mutual has evaluated your claim, it will provide you with a settlement offer which is a financial amount that it is offering you in exchange for the harm to your body and property damage to your car. You are not required to accept the offer if it is too low, and in fact, many insurance first offers are lower than is fair, especially in severe accidents.

Insurance companies like Liberty Mutual must pay you within 30 days of settling your claim. It takes Liberty Mutual, on average, about 30 days to pay out on a claim, and this is average for the industry.

Need an Experienced California Car Accident Lawyer? Get Gomez.

Gomez Trial Attorneys routinely helps California car accident and other personal injury victims recover the compensation they deserve. We care about our clients and are proud of our case results, which total more than $750 million recovered.

If you or a loved one has been injured in a California accident that was the fault of someone else, Gomez Trial Attorneys is here for you. To date, our team has won over $750 million for our clients, primarily in the southern California area.

Contact us at 619-237-3490 or here to schedule a free case evaluation.