Call 24/7 for a FREE case evaluation

Call now (866) 393-4334


in California case results


in California jury verdicts


award-winning attorneys in network

Hiring a Car Accident Attorney in Your Area

You may have many questions when you are involved in a car wreck, we are here to help! We have compiled a list of the most frequently asked questions about filing a car accident lawsuit against Liberty Mutual.

Does Liberty Mutual Have a Good Reputation for Settling Claims Fairly?

Liberty Mutual tends to rank lower than average in terms of having a good reputation and settling claims fairly as an auto insurance company.

In a 2022 survey with NerdWallet, Liberty Mutual ranked below average in both trustworthiness and customer support.

What Is the Average Settlement Award in a Case Against Liberty Mutual?

While data is not available on average settlement awards against Liberty Mutual, Forbes Advisor states that the average settlement award is between $20,000 and $25,000.

This number is an average amount, though, and car accidents can vary significantly between minor and severe in terms of damages claimed.


How Long Do I Have to Sue Liberty Mutual After a Car Accident?

The length of time to file a vehicle accident lawsuit against Liberty Mutual will depend on the statute of limitations for personal injury cases for the state in which you live.

Most states have a statute of limitations on this type of case of two or three years, though some do have longer ones.

You may be able to sue Liberty Mutual after a car accident, and it is not uncommon for people to start a lawsuit if they were treated unfairly or compensated unjustly after a car accident.

Claimants may also choose to sue Liberty Mutual if they feel that the company acted in bad faith when handling their claim, or if the company participated in any illegal or fraudulent activity during the claims process.

Suing Liberty Mutual serves to hold the car insurance company accountable for their actions, and helps policyholders recover the compensation they rightfully deserve.

If you’d like to learn more about the legal action you can take against Liberty Mutual or a different insurance provider, contact LegalFinders to get started with a free consultation and to be connected with a car accident lawyer near you.

2 drivers calling Liberty Mutual insurance company after a car accident

What to Know About Suing Liberty Mutual for an Insurance Claim

The state that you live in plays a large role in your lawsuit against Liberty Mutual, specifically whether you live in a state that has no-fault or at-fault insurance laws.

This is important to know, because it will affect which insurance company you file a lawsuit against — your own or the at-fault driver’s.

Most states have at-fault insurance laws, but a small handful do have no-fault insurance laws, such as Florida and Kentucky.

Is Suing Liberty Mutual the Same as an Insurance Claim?

Filing an insurance claim with Liberty Mutual and filing a lawsuit against Liberty Mutual are not the same thing, and filing an insurance claim is always done first.

An insurance claim is filed after an accident in order for a victim to collect compensation for any accident-related injuries or property damages they have experienced.

Depending on the state a person lives in, this claim will either be filed with the car accident victim’s own insurance company or the insurance company of the at-fault motorist.

If the accident victim is unsatisfied with the outcome of their Liberty Mutual claim, or if their claim is denied, they may want to take legal action against Liberty Mutual with the help of an experienced auto accident attorney.

Eligibility for Filing a Car Accident Lawsuit Against Liberty Mutual

A good portion of lawsuits that are filed against car insurance companies like Liberty Mutual are filed after the company has acted in bad faith.

Examples of how a car insurance company can act in bad faith include:

  • Refusing to pay for a claim that is valid and accurate
  • Mishandling or delaying a claim
  • Claims adjusters providing you with a lowball settlement offer or payout that does not cover your damages or bodily injury
  • Denying a claim without conducting a proper investigation

It is not always easy to recognize when a motor vehicle insurance company has acted in bad faith. Yet a top-quality car accident attorney can assess the situation and tell you if you’re eligible for a personal injury claim or lawsuit through a free case review.


What Type of Lawsuit Can You File Against Liberty Mutual?

Accident victims who file lawsuits against Liberty Mutual generally have two options, depending on whether there were fatalities in their accident in addition to injuries.

There are two main types of lawsuits that a person can file against Liberty Mutual:

  • Personal injury lawsuits can be filed after a car accident in order to collect compensation for injuries such as lost wages or pain and suffering.
  • Wrongful death lawsuits are filed by a surviving family member in order to collect compensation on behalf of their loved one who was killed in an accident.

Both types of lawsuits require a good understanding of car accident and personal injury law, and it is always recommended to work with an attorney before proceeding.


Factors in Car Accident Lawsuits Against Insurance Companies

There are several factors that need to be taken into account when you file a lawsuit against an insurance company, as these can affect eligibility and settlement outcomes.

Factors that can affect car accident lawsuits against insurance companies include:

  • The severity of the victim’s injuries and resulting medical expenses
  • Whether the victim is expected to recover and how long their recovery is expected to take
  • Whether there were any uninsured motorists involved in the accident
  • Whether there are any disputes about who is at fault for the accident
  • The full extent of all financial losses incurred through the accident


How to Sue Liberty Mutual Insurance After an Auto Accident

Consider the following steps if you have decided to take legal action against Liberty Mutual after an auto accident.

1. Get a Free Case Evaluation With a Car Accident Lawyer

You can get your auto accident insurance claim started by contacting a car accident lawyer and taking part in a free case review.

This evaluation will help you determine if you are eligible for a lawsuit and set you up with a plan for moving forward with your case.

2. File Your Car Accident Claim

After you have established an attorney-client relationship, your car accident lawyer can help you file your claim, ensuring that evidence is properly gathered and submitted and that all paperwork is turned in on time.

Your personal injury attorney can even file your claim for you, allowing you to have ample time for rest and healing after your accident.

3. Start Settlement Negotiations

There are a number of parties involved in the settlement negotiations process, including insurance adjusters and lawyers from both sides.

This part of the legal process can take some time, as both parties must agree on a settlement amount before the case can be closed.

4. Move Your Lawsuit to Court

The vast majority of car accident insurance lawsuits settle outside of court, as it is not in the best interests of either side to enter into a long and expensive court case.

In rare cases, however, a car accident lawsuit can be moved to court where the outcome will be decided by a judge or jury.

Evidence You Need to Sue Liberty Mutual for an Insurance Claim

Evidence plays a crucial role in all car accident claims and lawsuits, and these types of cases often involve thorough investigations.

Evidence needed for a lawsuit against Liberty Mutual can include:

  • Accident report
  • Police report
  • Photos of all vehicles involved in the accident
  • Witness statements and testimonials
  • Medical records and medical bills
  • Personal recorded statement and testimonial

An experienced car accident lawyer can help you sort evidence and build your case, as they will have a good understanding of what types of evidence are relevant.


Liberty Mutual Insurance Coverage and How It Affects Lawsuits

There are a few different types of insurance policies that people can obtain through Liberty Mutual which can have an effect on any lawsuits they file.

Types of auto insurance coverage offered by Liberty Mutual include:

  • Liability insurance covers bodily injury and property damage for the other driver if you are found to be at fault.
  • Collision insurance covers damages for an accident regardless of who is at fault. This type of coverage is often required when purchasing or leasing new vehicles.
  • Personal injury protection (PIP) is usually required in states with no-fault insurance laws, and covers medical expenses and costs for an accident.
  • Comprehensive coverage is for situations like theft, collisions with animals, or natural disasters — situations that are out of the driver’s control.


How Long Do You Have to Sue Liberty Mutual After an Accident?

The amount of time that people have to sue their car insurance company after an accident will depend on the statute of limitations for their state.

In most states, the statute of limitations for this type of case is either two or three years, though there are a few states that have statutes of limitations of up to six years.

The statute of limitations begins on the date of the accident or injury.


Liberty Mutual Car Insurance Lawsuit Settlements

It can be difficult to predict the exact amount that a person can expect for their car insurance lawsuit settlement or verdict, as every case is unique.

You may want to consider legal action if you received a settlement offer that you believe is too low or unfair considering the evidence of damages in your car accident case.


Types of Damages in Liberty Mutual Car Accident Lawsuits

Car accident victims typically claim several types of damages when suing a car insurance company for compensation.

Types of damages listed in Liberty Mutual car accident lawsuits include:

  • Medical costs
  • Loss of income and benefits
  • Loss of future income and benefits
  • Pain and suffering
  • Loss of companionship or consortium
  • Loss of enjoyment in life
  • Wrongful death

By working with a team of personal injury lawyers, you can rest assured that all damages will be accounted for and claimed to the maximum amount allowed.


Liberty Mutual Auto Insurance Statistics

Liberty Mutual auto insurance is based out of Boston, Massachusetts, but provides their services to all 50 states.

According to a 2023 review and survey by NerdWallet, Liberty Mutual is the sixth-largest insurance provider and ranks 4.5 out of 5 stars in terms of overall quality and service.

However, Liberty Mutual ranks below average in terms of customer satisfaction, including in the specific categories of trustworthiness and customer support, indicating that customers may have had complaints involving poorly managed claims.


Get Help Suing Liberty Mutual After a Car Crash Today

If you have been in a recent car accident, motorcycle accident, or truck accident with serious injuries or damages, you likely have enough on your plate without worrying about the financial losses you may face.

By speaking with a trained representative for LegalFinders, you can discuss your next legal steps, get legal advice on how to proceed, and be connected with a top personal injury law firm in your area.

Get the justice and financial compensation that you deserved from the very beginning by contacting LegalFinders today.


Our staff are standing by to help you find the perfect attorney for your case.

Image of the lawyer

Published: 6 October 2023