Liberty Mutual Car Accident Claims Injury Lawyer In Dallas
Like many auto insurance juggernauts, Liberty Mutual has a staggering total worth. By definition, this is not achieved by paying out the amount of compensation to injured people after a car wreck. In other words, insurance agents working at Liberty Mutual have one ultimate goal in mind: make sure their company has to pay as little as possible for any particular claim.
Unfortunately, many injured people may be caught in the crossfire and may miss out on the compensation to which they are entitled. Understanding an insurance policy is difficult and often involves parsing “legalese” and other mudding language that can be tough to follow. Instead, let the Liberty Mutual car accident claims attorneys at our firm, a Dallas car accident law firm, help you get the best possible outcome in your case.
Understanding Insurance Policies
The Texas Motor Vehicle Safety Responsibility Act requires all motorists to have certain minimum coverages, such as liability insurance. However, some drivers still break the law and do not have such coverage. If this is the case and you have Liberty Mutual auto insurance, there are a few options that might apply.
Uninsured or Underinsured Driver Coverage
Texas does not mandate that every policy has to have coverage for uninsured drivers. Unfortunately, this means that you may not be able to recover the true amount of your damages if the opposing driver lacks liability insurance and you do not have uninsured driver coverage. If your policy does cover uninsured drivers, you may be able to recover compensation through that avenue with help from a skilled Liberty Mutual car accident claims lawyer.
Personal Injury Protection (PIP)
Though it does not require uninsured motorist coverage, Texas does mandate that all insurance companies offer Personal Injury Protection (PIP) to their clients. In fact, you must sign a written waiver in order not to have PIP. This coverage can give you some monetary relief after a serious injury, in amounts from $2,500 to $10,000 and sometimes beyond. However, PIP may not cover all of the costs associated with your injury, so it is best to have uninsured motorist coverage as well.
Fault and My Compensation
NEVER accept or admit fault for an accident when speaking with a Liberty Mutual car insurance agent, or with an insurance agent for any company, like Esurance. Fault is a legal concept and should be settled by the court if the insurance company does not want to pay for your damages. The reason that this is such a serious issue is that Texas uses a system called proportionate responsibility when determining the amount of compensation you can receive. If you admit fault early in your claim, it may prevent you from receiving the true amount of compensation you deserve.
Proportionate responsibility can be understood in two different ways:
- You cannot collect compensation if you are more than 50% to blame for an accident.
- The percentage of blame attributed to you will reduce your compensation proportionately.
In other words, if the court finds that you are 20% to blame for your accident, your compensation will be reduced by 20% as well.
What to Do Immediately After My Accident
The moments after your collision can be very important in securing evidence to support your claim and force Liberty Mutual to pay the compensation you need. You should take several steps to preserve this evidence in the wake of your crash.
Move to Safety
First, safety is of the utmost importance. If you are physically able, try to move your vehicle off the road so that it does not cause further accidents to occur.
Check on All People Involved
Next, check to make sure everyone involved in the accident is okay. Call medical responders immediately if an ambulance is needed.
Call the Police
Having a copy of the police car accident report of your crash can help clarify issues with the insurance adjuster and, if needed, with the court. Getting police on the scene as soon as possible can ensure that they have a more accurate account of what happened.
Finally, collect pertinent evidence if you are able to do so. Get the driver’s license and insurance policy information from the opposing driver, write down the contact information of any eyewitnesses, note the location of nearby traffic or surveillance cameras that may have recorded the crash, and take pictures of the scene, including all damage. This is all important evidence that can be used to support your claim.
I Can Get a FREE Consultation Today
If you are injured in a wreck involving a Liberty Mutual insurance policy, don’t try to take matters into your own hands. Trust the experienced legal counsel at our firm, a Dallas car accident law firm, . Our compassionate attorneys offer FREE consultations to prospective clients and do not collect a fee unless we get you the compensation you need and are entitled to.
To schedule your consultation, fill out the form on our contact page, or call us today at