Maestría en el Arte de Negociar un Reclamo por Lesión con Liberty Mutual Insurance

Cómo negociar un reclamo por lesiones con Liberty Mutual Insurance

Llame al (800) 863-5312 para su consulta gratuita

Liberty Mutual Insurance es, como su nombre indica, una compañía de seguros mutuos. Esto significa que sus asegurados, que pagan primas, se consideran accionistas de la compañía.

Esto no significa, sin embargo, que Liberty Mutual siempre tenga en mente los mejores intereses de aquellos que presentan reclamos. Muchas personas en Dallas y más allá han informado dificultades para que Liberty Mutual les compensara adecuadamente después de un accidente automovilístico.

Si usted o un ser querido ha resultado herido en un accidente y está teniendo que lidiar con Liberty Mutual Insurance, llame a Zinda Law Group al (800) 863-5312 para una consulta gratuita con un experto abogado de lesiones personales de Dallas.

Las compañías de seguros están interesadas en los beneficios

Por supuesto, esto no es inusual. Liberty Mutual Insurance, o cualquier otra compañía de seguros, no puede obtener un beneficio y permanecer en el negocio si debe pagar más dinero en reclamos de lo que puede recibir a través de pagos de primas.

Con este fin, Liberty Mutual Insurance emplea a ajustadores de reclamos que son responsables de investigar reclamos y pagar la menor compensación posible. Para evitar aparecer parcializado, Liberty Mutual tiene recursos que asignan un valor monetario específico para muchos aspectos de los accidentes automovilísticos.

Por ejemplo, un determinado modelo y marca de automóvil con un parabrisas destruido solo puede tener un valor de $200; un hueso roto solo puede tener un valor de $3,000. Su ajustador de reclamos puede intentar convencerlo de que estas cantidades son “razonables” y reflejan lo que debe esperar pagar.

Consider These Important Factors

The settlement offer made by your Liberty Mutual claims adjuster may be too low to adequately compensate you for your losses. You may be able to secure a higher settlement amount if you do the following:

Document Everything

Taking pictures of the accident scene and your injuries as soon as you can after the incident can help you during the negotiation process. By the time your adjuster views your car or visits you, injuries may have begun to heal and the car may have been cleaned up a bit. By taking pictures and showing them to the adjuster, you may be able to convince the adjuster his or her initial settlement amounts were not adequate given the severity of the car crash.

Appear Resolved and Tenacious

Trials are expensive for all parties involved, including insurance companies. Liberty Mutual Insurance does not want a claim to go to trial, especially if the claim is valid and the injured party (you) are likely to win. By insisting on fair and full compensation and showing that you are not willing to settle your claim for less than you need, you make it more likely that your negotiations with your adjuster will end favorably for you.

Determine a Minimum Settlement Figure

You cannot negotiate in any matter if you do not know what you need and what you are willing to part with. Before you even begin the negotiation process, take some time and tally up the costs of your car accident--medical expenses, lost wages, damage to your car, pain and suffering--and use these to arrive at a settlement figure. Know what you are willing to compromise on but do not compromise on those expenses and losses that are legitimate and certain.

Our Dallas Injury Lawyers Can Help

At Zinda Law Group, our Dallas personal injury attorneys have successfully taken on Liberty Mutual and countless other insurance companies. We fight tirelessly to protect the legal rights of our clients, and we have the knowledge and resources necessary to help you seek the compensation you deserve.

If you have been injured, you don't have to take on the insurance companies alone. Call Zinda Law Group at (800) 863-5312 for a free consultation with one of our skilled Dallas personal injury lawyers. Meetings with attorneys by appointment only.