Our Florida Car Accident Attorney Explains Filing an Injury Claim With Liberty Mutual
When you’re injured in a car accident, you will likely want to file a personal injury claim; however, not many people know how to do that. Whether you’re filing with your own insurance company or with another driver’s insurance, the process can be time-consuming and problematic. 
The skilled car accident attorneys at Spetsas Buist can help. Our legal team will handle the claims process, communicate with insurance companies, and handle settlement negotiations on your behalf so you can focus on your physical recovery. Here, we discuss filing a claim with Liberty Mutual Insurance.
How Insurance Claims Work
Even if you were not at fault, Florida law requires that you report any car accident to your insurance company. The steps for filing a claim are similar whether you plan to file with your own insurance company or another driver’s company.
Filing a Claim With Your Own Insurance
Regardless of who was at fault for the accident, accident victims in Florida first file a claim with their own insurance company. This is because Florida is a no-fault state, and you must file medical expenses and lost earnings as a first-party claim under your personal injury protection (PIP) car insurance coverage. The at-fault is only liable if injuries exceed the PIP coverage (usually $10,000).
Filing a Claim Against Another Driver
If another driver caused the accident, you can make what is called a third-party insurance claim. Making a third-party insurance claim can be a long process while the insurer investigates whether or not their customer actually caused the accident.
If you were unable to get the at-fault driver’s name, insurance policy number, and insurance carrier at the scene of the accident, you can request this information from the Florida Department of Highway Safety and Motor Vehicles by filling out an Insurance Request Form.
Strengthening Your FL Personal Injury Claim
Whether you need compensation for injuries, property damage, or both, you can strengthen your claim by taking the following steps:
- Gather evidence at the scene of the accident. If possible, take photos and videos of the accident scene, including vehicles, injuries, and road and/or weather conditions. Collect contact and insurance information from the other drivers involved and ask witnesses for contact information. Call the police and request a police report. This report can be used as evidence for determining liability and obtaining fair compensation.
- Seek immediate medical attention. Even if you’re not in pain after the accident, don’t assume you’re not hurt. The stress of an accident releases pain-masking hormones, so you may not realize you’re injured until days later. See a doctor ASAP to avoid missing signs of serious injury and to establish a connection between the accident and your injuries.
- Keep careful records. Gather all evidence of the accident, including medical records, evidence from the scene, the police report, and pay stubs if you had to miss work.
How to File a Florida Car Accident Insurance Claim With Liberty Mutual
Liberty Mutual or those filing against a Liberty Mutual client can follow these steps to file a claim:
- File through their claims center.
- Have the damaged vehicle evaluated at a shop from Liberty Mutual’s Guaranteed Repair Network.
- Get a rental car through Liberty Mutual’s partnership with Enterprise Rent-a-Car.
- Get an estimate from Liberty Mutual and schedule repairs. Liberty Mutual recommends you let them pay the shop directly.
Throughout the process, you can keep track of and manage your claim through your account. Liberty Mutual has a process to create an account for claimants who are filing against one of their customers.
Our Florida Car Accident Lawyers Can Help You Avoid Mistakes
It’s easy to make mistakes when dealing with insurance companies, and these mistakes can jeopardize your personal injury claim. Insurance adjusters are trained to get you to make statements that can be misconstrued and used against you later. By hiring our experienced legal team at Spetsas Buist, you can protect yourself from insurance adjusters and their underhanded tactics. We will handle all communication with the insurance companies and, if necessary, file a lawsuit to help you obtain the compensation you deserve.
