Filing A Claim with Liberty Mutual After A Louisville KY Accident
After getting injured in an accident around Louisville you may feel at your most vulnerable. You’ll have plenty to deal with just healing and trying to get back on your feet. So it’s unbelievable that some insurance companies like Liberty Mutual think it’s their job to make you feel even more vulnerable at such a low point.
If you get into an accident caused by another motorist or a rideshare or delivery driver you might have to deal with their insurance firm and it just may be a giant corporation like Liberty Mutual.
If you are seriously injured by a careless driver, don’t hand over your fate to that driver’s insurance agent. They don’t have your best interest at heart, even when the fault in an accident clearly lies in their driver’s lap. By contacting a Louisville Car Accident Lawyer, you take the first step towards ensuring fair treatment from Liberty Mutual. Kaufman & Stigger, PLLC, offers a free evaluation of your case and can advise you what your injury claim is really worth, despite what Liberty Mutual agents may be telling you.
Liberty Mutual Accident Claims And A Victim’s Rights in Kentucky
Liberty Mutual is the sixth biggest private car insurance provider in the nation, securing around 4.6% of the market in 2019 according to the Insurance Information Institute (III).
They are in the top three in the nation in commercial driver’s insurance. They reported 16,794,384 direct premiums written in 2019. So whether you are hit by an everyday driver or you’re struck by a delivery driver, an Uber driver, or some other professional driver, the odds are good that you’ll have to interact with Liberty Mutual.
Like any big insurance firm, Liberty Mutual is interested in providing value to its shareholders, and one way to do that is to limit the compensation it pays out to those injured and in need of real help.
They aren’t required to tell you everything that’s available to you as a victim and they won’t. Here are a few of the things they may forget to mention:
- Won’t tell you about important deadlines: Kentucky provides injury victims only a year from the date of the accident to file their claim. This is a much shorter statute of limitations than most states provide. Miss this deadline and the chance to hold an insurance company responsible may be completely gone.
- Won’t mention everything you can demand compensation for: You may just hope to get hospital bills paid for, but there are many other hardships you’ve been through that Liberty Mutual can be held liable for. Many victims don’t consider the paychecks they’ve lost while missing work. They don’t consider the travel costs to doctors, specialists, and counselors. They might not even consider the possibility of their injury requiring more medical treatment, or even surgery down the road. All of these things can be included when filing a claim. Even the physical and emotional pain a victim has endured throughout their recovery can increase the money awarded.
- Won’t mention you don’t have a dedicated agent: Most injury victims get sent into a pool of low-ranking phone reps. You likely won’t talk to the same person twice. These reps often use software to calculate what you should be offered in compensation. They also aren’t allowed to offer you more.
- Won’t bring up your need for a lawyer: Of course, all of these unfair practices and tricks can be deflected easily if you have your own legal representation. A local attorney will know how to read the fine print on policies and know when an offer is of the “lowball” variety. Your attorney will also know when an insurance company is dragging its feet while you are left to get more and more desperate to pay your bills. An attorney can call them out on their unfair practices. Your attorney can also help you collect evidence and witness testimony to make sure you have an airtight case.
For more tips on dealing with other insurance companies in Kentucky like Geico and Allstate, click here.
Comparative Negligence in a Liberty Mutual Claim
Liberty Mutual may also try to shift blame in your accident case. They can try to force you to accept some liability to reduce the amount of money they have to grant you.
Your attorney will vigorously defend your case, but if there is evidence that you were partially at-fault for your accident it doesn’t mean you won’t get compensation. Kentucky is a comparative negligence state. The legal concept allows for two drivers to divide the blame in an accident.
You might have to accept a percentage of the blame, but the other driver may also have to take responsibility for his or her part. You can still receive a considerable amount in compensation for your injury recovery. Your final award would just be reduced by the percentage of blame assigned to you.
Contact a Louisville Car Accident Attorney
Talk to a Louisville Car Accident Lawyer you can trust to be on your side and fight for your fair compensation when insurance companies try to withhold the money you need for recovery. The attorneys at Kaufman & Stigger, PLLC, have the knowledge and a combined 100 years’ experience in helping clients get the compensation they’ll need to make a full recovery. To discuss your case, contact Kaufman & Stigger, PLLC today, by clicking here to contact them online.