News & opinion SECRETS of Liberty Mutual Car Accident Claims EXPOSED

SECRETS of Liberty Mutual Car Accident Claims EXPOSED

Car Insurance Attorney Houston

“Responsibility. What’s Your Policy?” Yes, Liberty Mutual wants you to think they’ve got your back and will take responsibility to help you when you’re in a wreck.


As the company has grown, they’ve bought up other companies such as Safeco. Along the way, their only “responsibility” is to maintain corporate profits by paying as little as they can get away with on legitimate claims from injured accident victims.

While all auto insurance companies may use similar claim procedures, no two companies are the same. Our attorneys have been fighting Liberty Mutual claims adjusters for years. We know all their tricks, and they know who WE are too.

If you’re fighting Liberty Mutual over a car accident claim, you need a law firm that knows how to hold them accountable. If you’re dealing with Liberty Mutual, call us right now for a free consultation at 1-800-898-4877 or contact us by clicking HERE to discuss your case for free.

SECRET #1 – Liberty Mutual Is NOT About Responsibility, It’s About PROFIT

Liberty Mutual is a worldwide insurance giant, ranked the fourth-largest insurance company in the United States. Over the past century, the company has grown to open 800 locations and numerous subsidiaries, including Safeco and Peerless Insurance. The company rakes in billions of dollars in revenue on an annual basis and was ranked 75th on Fortune’s 100 List. Trust us when we say Liberty Mutual is only focused on making money!

The top revenue generator for Liberty Mutual is car insurance, so if you’re in a car accident, there’s a good chance you may have to deal with a Liberty Mutual insurance claim. But BEWARE—Liberty Mutual puts its OWN well-being first, not the interests of their insureds, and CERTAINLY not the people their insureds have injured. How do they maintain their bottom line? By paying out as little as they can get away with on claims, leaving injured victims broke and out of luck.

SECRET #2 – Liberty Mutual Will DENY, DELAY, DEFEND!

The American Association for Justice (AAJ) published a report named the “Ten Worst Insurance Companies in America,” and we’re not surprised that Liberty Mutual made the list! One of the major allegations against the company was that it hired insurance consultants McKinsey & Co. to update its policies—and not in your favor. According to AAJ, this particular consultant firm promotes policies to “Deny, Delay, and Defend” insurance claims. This is a tactic used to ensure payouts are limited as much as possible, and without pushback from a lawyer, it works almost every time!

The report shows that Liberty Mutual has systematically lowered settlement amounts year after year, even for valid claims. Its claims processing has become significantly slower, with worse results for claimants.

With so many people having such a HORRIBLE experience, it’s no shock that claimants need to file more and more lawsuits against the company to get the recoveries they deserve!

If you were in a car accident anywhere in the country that was caused by a Liberty Mutual policyholder, you should contact an attorney with experience in dealing with this company RIGHT AWAY.

The attorneys at Stewart J. Guss, Injury Accident Lawyers know how to identify when Liberty Mutual adjusters are wrongly DENYING, DELAYING, or DEFENDING. We can tell you when Liberty Mutual wrongfully lowered a settlement offer, and we can fight for what’s right FOR YOU.

In addition, because lawsuits against Liberty Mutual are so common, you NEED a car accident attorney who’s ready to go to bat for you in court. Our attorneys are not afraid to face off against Liberty Mutual in the courtroom to make sure you don’t become another one of their victims.

SECRET #3 – Liberty Mutual Shows BAD FAITH Toward Their Own Customers!

Liberty Mutual’s policies to reduce payments on claims apply to its policyholders as well as third-party claimants! If you are a policyholder with Liberty Mutual and need to make an uninsured motorist claim or another type of auto insurance claim, you may also experience their deny, delay, and defend tactics. Even though you pay your premiums on time, year after year, they won’t reciprocate this loyalty. They’ll seldom take responsibility when you have a claim.

Some examples of bad faith experienced by Liberty Mutual policyholders include:

  • Not fully investigating claims
  • Causing unnecessary delays for a claim
  • Denying a valid claim
  • Refusing to offer a reasonable settlement
  • Not adequately defending against a lawsuit
  • Unfairly interpreting the terms of an auto insurance policy

That’s not all: while policyholders are experiencing such bad faith actions, their policy premiums may also increase! According to the AAJ report, federal insurance regulators have accused Liberty Mutual of engaging in systemic bid-rigging. Liberty is one of many companies that were alleged to have participated in bid-rigging schemes with broker Marsh & McLennan to justify premium increases. While the company denied the accusations, it agreed to settle claims in certain states for millions of dollars.

When it comes down to it, Liberty Mutual is willing to take advantage of its own customers to make more profits!

SECRET #4 – Be Especially Aware of ANY Car Accident Injury Insurance Claim

Auto insurance is required by law in every state, so you might expect a relatively streamlined auto insurance claim process, especially when injuries are involved. However, this could not be further from reality. Each auto insurance company has its own sneaky tactics to take advantage of policyholders and claimants, and Liberty Mutual is no different. As companies grow, so does their greed, and so does their potential for underhanded or even fraudulent tactics.

Too many people trust insurance settlement offers and accept them without realizing the facts:

  • Initial offers are generally grossly low compared to the actual value of a claim.
  • By accepting an offer, you give up your rights to any additional compensation stemming from that accident, even if you still need additional treatment.
  • You have rights. Exercise them! You have the option to negotiate a higher settlement or file a lawsuit in lieu of accepting an offer.

Liberty Mutual is only one of many auto insurance giants that seem more concerned about its profits than its consumers. Always be wary of insurance settlement offers and discuss them with an experienced attorney before you sign anything.

Consult a Lawyer That Knows How to Fight Liberty Mutual Injury Claim Adjusters

Stewart J. Guss, Injury Accident Lawyers regularly stands up to companies like Liberty Mutual and fights to get you every cent you are rightfully owed. We handle the insurance claim process and we are prepared to “move mountains” to get our clients everything they deserve.

The attorneys of Stewart J. Guss, Injury Accident Lawyers are nationally-recognized car accident lawyers who have protected the rights of injured car accident victims for more than 20 years. If you were injured in a car wreck and are dealing with a Liberty Mutual claims adjuster, call our office right now to schedule a free consultation! Because we take all of our personal injury cases on a contingent fee basis, you will not owe us a DIME unless we win your case. To schedule your case evaluation, call us today at (800) 898-4877 or contact us now by clicking HERE.

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