Liberty Mutual Auto Insurance Claims
It can be stressful and upsetting to be in a car accident that results in injuries. You may feel very worried about how you will be able to afford your medical expenses and lost wages. People purchase insurance in case of situations like these, but unfortunately some insurers do not honor their obligations to their insured, putting profits ahead of people. If you are concerned about a Liberty Mutual auto insurance claim, for example, you should consult the Chicago car accident attorneys at Katz, Friedman, Eisenstein, Johnson, Bareck & Bertuca.Filing a Liberty Mutual Auto Insurance Claim
After a car accident, you should contact your insurer, even if you think that the other driver was at fault. If your insurer is Liberty Mutual, you can file a claim online, by phone, or on your mobile device. You will need information about where the accident took place, the date and time of the accident, the makes and models of the vehicles that were involved, the names and addresses of the drivers, a description of what happened, a description of the damage, and the names and information of witnesses.
It is important to report the accident to your insurer because your insurer owes you a duty to protect your interests. Your insurer will conduct an investigation into the accident to determine who is at fault and how the claim should be settled. You should not, however, speak to the insurer for the other party. The other insurer does not owe you a duty. It can be hard to remember this because typically insurance adjustors and representatives for the other party are friendly in order to better determine what happened and determine whether there is a basis to establish your liability. However, you should remember that what you say may be manipulated by the other side to reduce your damages or bar your ability to recover damages.
There are many different kinds of coverage, and when you file the claim, you can find out precisely what coverage you have and what your deductibles are. You can choose a shop in the Liberty Mutual network to get guaranteed repairs for as long as you own your car. You can find out whether you have rental coverage on your policy. If you do have this type of coverage, the cost of renting a car may be covered. Liberty Mutual has a partnership with Enterprise-Rent-A-Car, which allows for discounted rates.
While some drivers may have purchased personal injury protection (PIP) coverage, many do not. You may not have sufficient coverage for your own injuries. If you do not have PIP coverage, or the harm that you suffered exceeds what is covered, you will need to file a lawsuit for damages. In most cases, you will need to prove by a preponderance of the evidence that the defendant owed you a duty of reasonable care, and there was a breach of the duty of reasonable care, actual and proximate causation, and actual damages.
If your attorney is able to establish these elements, you may be able to recover damages. Typically, it is easiest to recover your damages if the at-fault driver has insurance. Damages that you may be able to recover include lost wages, medical expenses, pain and suffering, loss of enjoyment, replacement services, lost earning capacity, and mental anguish. However, if an at-fault driver does not have insurance or has insufficient coverage to cover your damages, you may need to file a claim against your own uninsured motorist coverage.Hire an Experienced Injury Lawyer in the Chicago Area
You may be confused and anxious about the future if you have suffered serious injuries in a car accident. If you are concerned about a Liberty Mutual Auto Insurance claim, you should consult an experienced personal injury attorney. At Katz, Friedman, Eisenstein, Johnson, Bareck & Bertuca, we represent victims of distracted driving accidents and other types of crashes in Chicago, Champaign, Quincy, Aurora, Rockford, and Springfield, as well as other areas of Cook, Adams, Sangamon, Champaign, Winnebago, and Kane Counties. You can call us at 312-263-6330 or toll-free at 800-444-1525 for a free consultation.