Dealing with a Liberty Mutual insurance claim following a car accident in Tennessee can be more complicated than many people expect. The insurance company will closely review every aspect of your case before deciding what it is willing to pay and will also utilize various tactics designed to reduce the value of your claim. An experienced auto accident attorney near Nashville, TN can help protect your rights and secure reasonable compensation on your behalf.
Continue reading to learn about how Liberty Mutual approaches claims so that you can avoid common mistakes and better protect your right to full compensation.
What Kinds of Evidence Can Strengthen My Claim?
The strength of your evidence often plays a major role in how Liberty Mutual evaluates your case. The insurer will generally rely on objective proof when deciding whether to accept liability and how much to offer in a settlement.
Key forms of evidence may include:
- Police reports that identify how the crash occurred
- Photographs and videos from the accident scene
- Medical records linking your injuries to the collision
- Repair invoices and vehicle damage assessments
- Statements from eyewitnesses who saw the crash
When this information clearly supports your version of events, the insurance company may be more willing to negotiate fairly. However, it may still be necessary to hire an attorney to actually recover everything you’re entitled to under state law.
The Role of Tennessee Law in Liberty Mutual Insurance Claims
Tennessee follows an at-fault insurance system for car accidents. This means the driver who caused the crash, along with their insurer, is responsible for paying your damages. However, the state also uses a modified comparative fault law, which can significantly affect your claim.
Under this rule, you can still recover compensation if you are less than 50% responsible for the accident. Your recovery will simply be reduced by your percentage of fault. If the insurer convinces a jury that you were 50% or more at fault, you may be barred from recovering damages entirely.
An experienced car accident lawyer can handle all of the communications and negotiations with Liberty Mutual on your behalf, working to put as much money into your pocket as they can.
When Negotiations May Become Challenging
Not every Liberty Mutual claim is resolved quickly. Disputes can arise over liability, which may lead to prolonged negotiations and low initial settlement offers.
If these negotiations ultimately do not result in an agreement, filing a personal injury lawsuit and bringing the matter to court may become necessary to move the case forward. Litigation allows both sides to gather additional evidence through discovery and can sometimes encourage the insurer to reevaluate its position before trial.
Get Legal Help With Your Liberty Mutual Accident Claim in Tennessee
Handling an accident claim against a large insurance carrier like Liberty Mutual can be extremely difficult when you are also recovering from a serious injury. If you’ve recently been involved in a crash, contact Woodard Injury Law today for a free consultation at (615) 880-6126. Our lawyers will make your case our priority from the moment you hire us to represent you.