How to Negotiate an Injury Claim with Liberty Mutual Insurance

Last updated on: January 22, 2018

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Liberty Mutual Insurance is, as its name implies, a mutual insurance company. This means that its policyholders, who pay premiums, are considered shareholders in the company.

This does not mean, however, that Liberty Mutual always has the best interests of those who file claims in mind. Many individuals in Dallas and beyond have reported difficulties in getting Liberty Mutual to compensate them fairly following a car accident.

If you or a loved one has been injured in an accident and are having to deal with Liberty Mutual Insurance, call Zinda Law Group at (800) 863-5312 for a free consultation with a skilled Dallas personal injury lawyer.

How to Negotiate with Liberty Mutual Insurance

Insurance Companies Are Interested in Profits

Of course, this is not unusual. Liberty Mutual Insurance, or any other insurance company, cannot make a profit and remain in business if it must pay out more money in claims than it can take in through premium payments.

To this end, Liberty Mutual Insurance employs claim adjusters who are responsible for investigating claims and paying out as little compensation as possible. To avoid appearing biased, Liberty Mutual has resources that assign a specific dollar value for many aspects of car accidents.

For example, a specific make and model of car with a destroyed windshield may only be assigned a value of $200; a broken bone may only be assigned a value of $3,000. Your claim adjuster may try to convince you that these amounts are “reasonable” and reflect what you should be expected to pay.