Hopefully you have hired a personal injury attorney if you were injured. You do not want to be in a position where you are dealing with Liberty Mutual alone. Liberty Mutual will do its best to take advantage of your lack of knowledge of the claims process and will do whatever it can to save money by paying you less than what your claim is worth.
One of the things that Liberty Mutual does when dealing with personal injury claims is that it evaluates the medical bills to see if they are “reasonable and customary.” If Liberty Mutual’s billing program determines the charges for your medical expenses are “too high,” then it will not offer you the full amount of your medical bills. Instead, it will offer you an amount that it thinks is “reasonable.” We have had Liberty Mutual try to use this ridiculous tactic multiple times, even for medical charges from reputable Atlanta hospitals and doctors. The bottom-line is that if you go to court and submit your bills to the jury, Georgia law says you do not need an expert to say your medical charges were “reasonable.” Instead, you are qualified to identify your medical bills and have them admitted into evidence. It would be up to the insurance company to refute the reasonableness of the charges by having an expert testify. In most cases this is unlikely to happen.
In addition to your medical expenses, you can also claim your lost wages for missed time from work. Lost wages and medical expenses are what are known as economic damages. Economic damages are damages that are capable of a precise measure. When submitting lost wage evidence to Liberty Mutual it is important to have as much documentation as possible. This documentation can include pay-stubs, disability forms, and signed wage verifications from supervisors or the human resources department for your company. You are entitled to claim damages for missed time from work, even if you were paid while you were out. For example, if you had to use leave time or PTO days, or if you received disability payments, the at-fault driver is still responsible for paying your lost wages.
While economic damages are frequently the primary factor Liberty Mutual will consider in determining the overall value of your claim, your noneconomic damages are also important. Noneconomic damages include pain and suffering, mental and emotional distress, scarring, disfigurement, and diminished capacity to labor. The value of a noneconomic damages claim depends on a number of factors, including the nature and severity of your injuries, the types of medical treatment you received, how long your injuries and any disability lasted, and your prior condition before the accident. In our experience Liberty Mutual is very bad at properly evaluating noneconomic damages claims. For car accident claims involving soft tissue injuries Liberty Mutual may try to offer $1,000 or less for your pain and suffering, even if you had to undergo months of physical therapy.
If your personal injury claim with Liberty Mutual is settled it will require that you sign a release that releases Liberty Mutual and its policyholder from any and all further liability. A release is always required when settling a personal injury claim. But the type of release you sign and the language that should be in the release depends on a number of factors. You should hire an experienced personal injury attorney who can advise you on all aspects of your injury case, including the type of release you should sign.
What if you have insurance with Liberty Mutual and are injured in a car accident? Does your insurance policy with Liberty Mutual have to pay for your injuries? In short, it depends. You may have a few different types of coverage that you could use to help pay your damages. One type of coverage you may have is what is known as medical payments coverage, or “med pay” for short. Med pay is basically health insurance for you if you are in an accident and can be used to help pay your medical bills, regardless of who was at fault.
Another type of insurance you may have with Liberty Mutual is uninsured motorist coverage. You may be entitled to uninsured motorist coverage the at-fault driver either had no insurance or not enough insurance. Most people are not aware which uninsured motorist coverage policies apply to their accident. Our experienced personal injury attorneys at Brogdon Champion, LLC can help you understand this process.
Whether you are dealing with Liberty Mutual or some other insurance company, you should talk to a qualified personal injury attorney as soon as possible after your accident. Our experienced Atlanta car accident attorneys have the knowledge and experience to give you the help you need. Contact Brogdon Champion, LLC today for a free consultation about your car accident claim.