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Liberty Mutual Denied My Claim, Now What?

Dealing with Liberty Mutual Insurance Company Claims

Despite Liberty Mutual’s promise of great customer service and easy claims, the reality of managing a claim with Liberty Mutual Insurance Company may be far from this assurance. Like any other profit-driven insurance company, their prime goal is to maintain profitability, which often means taking stringent steps to minimize payouts or even flatly deny your auto accident claim. Navigating the labyrinth of insurance claims can be a complex and exasperating process. However, understanding your rights and learning how to adeptly maneuver through the claims process is vital to ensure that you receive the fair compensation you are entitled to.

Experienced Liberty Mutual Auto Insurance Claims Lawyers

Fran Haasch Law Group Accident & Injury Lawyers brings years of experience dealing with insurance companies like Liberty Mutual. Our team understands the intricate processes and tactics these companies employ to minimize or deny claims. We are well-prepared to advocate on your behalf, ensuring your rights are protected and pushing for the fair compensation you deserve. If you’ve had a claim denied by Liberty Mutual, don’t fight alone. Our seasoned car accident lawyers are ready to guide you through the appeals process, taking the burden off your shoulders. We’re committed to helping you secure the compensation you need to recover from your auto accident. Please don’t hesitate to contact Fran Haasch Law Group Accident & Injury Lawyers today for a free consultation. We’re here to help.

liberty mutual claim adjusters at a car accident in florida

Why Does Liberty Mutual Deny Claims? 

Like most auto insurance companies, Liberty Mutual may deny claims for a variety of reasons. Here are some common causes:

Insufficient Documentation: If the provided documentation does not fully substantiate the claim, it might be denied. This could be due to a lack of medical reports, police reports, or other necessary records.

Policy Exclusions: The claim may get denied if it falls under an exclusion clause in the insurance coverage policy. These exclusions are often buried in the fine print of your policy and may cover only certain types of accidents or damages. Personal injury protection (PIP), liability coverage, and comprehensive coverage are examples of specific policy exclusions.

Driving History: If you have a history of previous accidents or traffic violations, Liberty Mutual may use it as an excuse to deny your claim.

Lapsed Policy: If the policyholder has failed to pay premiums, leading to a lapse in the policy, the claim may be denied.

Discrepancies in the Claim: Any discrepancies or inconsistencies between the claim and the evidence provided can result in a denial.

Fraudulent Claims: If Liberty Mutual suspects that the claim is fraudulent, it will undoubtedly be denied.

Policy Limits: If the claim exceeds the policy limit, the amount exceeding the policy limit may be denied. 

Remember, claim denial is not the end of the road. You have the right to appeal the decision and seek the help of experienced insurance claim lawyers to assist you along the way.

What To Do If Liberty Mutual Denied My Claim?

If you have been sent a denial letter from Liberty Mutual, it can be a frustrating and challenging situation. In such cases, it is advisable to consider seeking legal assistance. Hiring an experienced car insurance claim attorney who specializes in these cases can help you navigate the complexities of the appeals process and provide guidance on the best course of action. A lawyer can review the details of your case, assess the denial reasons, and work towards building a strong argument in your favor. Their expertise can be invaluable in negotiating with Liberty Mutual and, if necessary, pursuing legal action to ensure you receive the compensation you rightfully deserve.

Be Cautious of Liberty Mutual Insurance Company Tactics

Liberty Mutual, like many insurance companies, employs a number of tactics to deny or devalue claims. It’s important to approach negotiations with them equipped with knowledge and vigilance. Below, we discuss some common strategies they may use:

Quick Settlement Offers

Be wary if Liberty Mutual offers a quick settlement. These offers often are much lower than the actual value of your claim. They hope that you’ll take the offer without fully understanding your rights or the full scope of your damages.

Delay Tactics

Liberty Mutual may delay the processing of your claim with the hope that you’ll grow frustrated and accept a lower settlement. Lack of communication, frequent changes in claim representatives, and requests for unnecessary documentation are common delay tactics.

Denial of Liability

Liberty Mutual may outright deny that their policyholder was at fault, even in the face of compelling evidence. They may argue that you were partially or entirely at fault in an attempt to reduce or deny your claim.

Underestimating Damages

Liberty Mutual may attempt to undervalue your damages. This could include arguing that your medical treatments were unnecessary or that your injuries were pre-existing. Always consult with your healthcare provider and attorney before accepting their estimate of your damages.


In some cases, Liberty Mutual may resort to surveillance to attempt to catch you doing activities that contradict your reported injuries. It’s important to be aware of this possibility and to always be honest and consistent about the extent of your injuries.

Navigating these tactics can be challenging. Having an experienced attorney by your side can ensure your interests are protected and help you negotiate a fair settlement.

car accident in florida with liberty mutual insurance claims

Why Is It Important to Speak with a Lawyer Before Dealing With a Denied Claim?

Engaging with an attorney before dealing with a denied insurance claim is crucial for several reasons:

Expert Guidance: Attorneys specializing in insurance claims thoroughly understand the intricacies of the legal system and insurance policies. They can provide expert advice and guide you through the process, helping you avoid any pitfalls that could negatively impact your claim.

Strong Negotiation: Insurance companies often attempt to devalue claims or outright deny them. A skilled attorney can effectively negotiate on your behalf, ensuring that your rights are protected, and you receive the compensation you deserve.

Time Management: The process of claiming insurance can be time-consuming, particularly when a claim is denied. By hiring an attorney, you can delegate this task, saving your time and reducing stress.

Claim Evaluation: Lawyers can accurately evaluate the worth of your claim, including compensation for medical bills, lost wages, and other damages. This expertise can prevent you from accepting a lowball offer from the insurance company.

Legal Representation: Should your case escalate to a lawsuit, a lawyer will represent your interests in court. This representation is essential for navigating the complex litigation process and increasing your chances of a successful outcome.

In essence, hiring a lawyer when dealing with a denied claim can significantly bolster your chances of securing a fair settlement. They can assist in all aspects of the claim process, from reviewing denial reasons to filing a well-crafted appeal, providing invaluable legal advice, and offering robust representation should your case proceed to court.

How To Maximize Your Florida Car Accident Claim

Here are some steps you can take to maximize your Florida car accident claim:

Immediate Medical Attention: Seek medical help immediately after the accident, regardless of whether you feel severely injured or not. Some injuries may not be apparent immediately and may manifest later. Having a medical report is crucial in proving the severity of your injuries.

Collect Evidence: Document the accident scene, if possible. This could include taking photos or videos of the accident site, your injuries, and any damage to your vehicle.

Obtain Witness Statements: If there were any witnesses to the accident, obtain their contact information and statements, as these can be valuable in supporting your claim.

Report the Accident: Report the accident to the police. They will prepare an official accident report, which can serve as valuable evidence.

Document All Damages: Keep records of all your medical expenses, repair costs, and any other expenses related to the accident. This includes documenting any work hours and wages lost due to the accident.

Avoid Giving Statements to Insurance Companies: Do not give statements to the at-fault party’s insurance company without consulting an attorney. They might try to use your words against you to devalue your claim.

Hire an attorney: Seek the assistance of an attorney experienced in car accident insurance claims. They can guide you through the process, negotiate with the insurance company, and represent your interests if the case goes to court.

woman calls liberty mutual auto insurance following a car accident

Fran Haasch Law Group Accident & Injury Lawyers Fights For You

Fran Haasch Law Group Accident & Injury Lawyers is committed to fighting for your rights and ensuring you receive the fair compensation you deserve. Our experienced team of attorneys is well-equipped to guide you through the intricacies of dealing with denied insurance claims and is adept at handling the tactics employed by insurance companies like Liberty Mutual. We can provide expert guidance, manage time-intensive tasks, accurately evaluate your claim’s worth, and offer robust legal representation should your case escalate to court. Do not let a denied claim discourage you. Contact the Fran Haasch Law Group Accident & Injury Lawyers today and let us advocate for you in your journey towards justice and fair compensation.


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