Liberty Insurance Claims

Have you suffered injuries in a car accident caused by a driver insured by Liberty Mutual? If so, you may be entitled to compensation for your injuries under North Carolina law. At Arnold & Smith, PLLC our attorneys have successfully represented many clients in auto insurance claims disputes with Liberty Mutual. Like all companies that provide auto insurance, Liberty Mutual focuses on the bottom line, which is their annual profits. Unfortunately, car insurance companies initially offer claimants a settlement amount that is too low intentionally to try and increase their own profits. In other instances insurance companies deny claims that the insurance company should have paid out.

At Arnold & Smith, PLLC we take the needs of our clients seriously. We understand that receiving a car insurance settlement may be their only means of compensation after a Charlotte car accident. Many times, our clients will desperately need a car accident settlement to pay their mounting medical bills. If our clients have been unable to return to work due to their injuries, they are often worried about making ends meet for themselves and their families.

Our skilled car accident attorneys have a proven track record for successfully negotiating high settlement amounts with insurance companies like Liberty Insurance. If Liberty Insurance has denied your auto insurance claim outright, we can help you appeal that decision. If the appeal process fails, we can advise you of your other legal options. In some instances, you may be able to bring a civil lawsuit against Liberty Insurance. We understand that the insurance claims process can quickly become frustrating and stressful. That is when our skilled attorneys take on the communication with Liberty Mutual. We assertively fight for our clients to receive the highest possible amount of compensation.

Liberty Mutual is currently the fifth largest casualty and property insurer in the United States. With approximately 50,000 employees, the company provides insurance services for customers in 30 different countries and economies around the world. Customers can submit car accident insurance claims on the Liberty mutual phone application, or over the phone. Those who submit a claim on the application can submit photos and a written description of what happened during the car accident.

It is wise to speak with a skilled car accident attorney before writing out your account of what happened. Many times, after the shock of a car accident, injured parties may unintentionally admit fault when speaking with or submitting information to Liberty Mutual Insurance. At Arnold & Smith, PLLC our attorneys can advise you as to the best way to make a statement to the insurance company that does not unintentionally admit fault or in some other way compromise the integrity of your case.

In May 2019, plaintiffs proposed a class action lawsuit against Liberty Mutual Insurance Company in a Florida federal district court. The lawsuit alleges that Liberty Mutual underpaid claimants who filed for total vehicle loss claims. The proposed lawsuit alleges that Liberty Mutual has a record of not including fees and payments when paying for total loss claims when a vehicle is “totaled” or not worth the cost of repair. When paying out total loss claims, the plaintiffs allege that Liberty Mutual failed to include local title transfer and state title transfer and vehicle registration fees as part of the payout amount.

The recent proposed class-action lawsuit mentioned above demonstrates how carefully claimants must examine any proposed settlements by Liberty Mutual. Claimants can become so relieved to finally receive a settlement offer that they accept the offer without examining it to make sure that it is a high enough amount to cover their costs. At Arnold & Smith, PLLC we can review your Liberty Mutual Insurance settlement and advise you as to whether or not you should accept it.

A settlement agreement should contain all of the expenses you will incur or might incur as a result of your injuries. Settlement agreements should include the following:

• Lost past and future wages
• Medical expenses to include surgeries, physical therapy, and hospital stay costs
• Non-economic damages such as pain, distress, and emotional suffering
• Missed paid time off, vacation time, or insurance benefits due to injuries

If you have suffered injuries resulting from a car accident in North Carolina, we can help. At Arnold & Smith, PLLC we have helped many clients negotiate better settlement agreements. Contact our law firm today to schedule your free initial consultation.