What happens if I disagree with Liberty Mutual’s decision on my car insurance claim?
If you disagree with Liberty Mutual's decision on your car insurance claim, you have some recourse. You can formally appeal or seek legal counsel to dispute the decision. Liberty Mutual's car insurance claim decision doesn't have to be the final word.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
UPDATED: May 19, 2023
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UPDATED: May 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- If you disagree with Liberty Mutual’s decision, you can file an appeal
- An appeal may require additional documentation
- If your appeal is denied, you may have to seek legal counsel from an attorney on how to proceed
It can be rather daunting to receive a less-than-favorable decision on your car insurance claim from Liberty Mutual. However, if you disagree with Liberty Mutual’s car insurance claim decision, you have some recourse.
Let’s look at a couple of options you may have regardless of the types of car insurance coverage you might have.
Disagreeing With the Decision on Your Liberty Mutual Car Insurance Claim
There may come a point where you receive a decision on a car insurance claim you disagree with, but that isn’t the end of the process. You have options for reversing the decision or getting more financial compensation for your needs.
Even if you’ve read our guide on how to file a car insurance claim, there are still additional steps you can take. Your two options are filing an appeal to your claim or seeking the help of an attorney.
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Important Steps to Take Next When Disagreeing With Liberty Mutual’s Decision
Regardless of your choice on how to proceed, you’ll need to gather some documentation. Gather materials like eyewitness reports, police reports, and other detailed information. Also, make sure to read over your policy. If you’re unclear about what your coverage includes, look at our car insurance coverage guide.
How You Should Proceed With Your Liberty Mutual Claim if You Disagree
The first step before seeking legal counsel would be to simply start the process for your appeal. Liberty Mutual is an agreeable company, as seen in our Liberty Mutual insurance review.
The process to file an appeal can differ from company to company, but you will need detailed documentation. For example, if you have reports from an external inspector, include that if you haven’t received adequate compensation for damages to your vehicle.
If the appeal process isn’t an option, you might have to seek an attorney’s help. Building a case will require the same sorts of documentation as an appeal.
You will also need to have a detailed explanation of the incident or accident, but take care not to admit any fault, despite any decisions made by law enforcement or Liberty Mutual.
The Last Word on Disagreeing With Your Liberty Mutual Car Insurance Claim
Hopefully, you know what to do next with your Liberty Mutual car insurance decision. Your insurance company’s decision on your car insurance claim isn’t the final word. You do have some recourse. You just need to be prepared to do your due diligence in providing as much detail as possible.
Frequently Asked Questions
Is Liberty Mutual’s decision on my car insurance claim the final word?
No, you do have some options on how to proceed. Do read thoroughly over your policy to ensure you’re within coverage limits and your claim fits all relevant criteria included in your policy. The most logical first step would be to file an appeal to your claim so you can hopefully change the decision.
What recourse do I have for changing the decision on my car insurance claim?
Your primary options for changing a car insurance claim decision are to file an appeal or seek legal help.
The appeal will be ideal, as it works within your insurance company’s operational framework. Legal help can be a far more involved and costly process but it may be your only option if an appeal doesn’t work.
What sort of documentation do I need for my appeal?
You’ll need a detailed account of the incident, photographs detailing any damages, police reports, and any other information that can support your appeal.
Of course, each car insurance claim is different, so what you need may differ. You want to make sure you have thorough and detailed documentation, however.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.