After an accident, getting the insurance company to pay what’s fair can be more frustrating than the crash itself. That’s especially true when dealing with a Liberty Mutual claim. Liberty Mutual is one of the country’s largest auto insurance companies, but that doesn’t mean they always treat people fairly. Whether you’re recovering from a car accident, facing medical bills, or trying to get coverage for property damage, you may find yourself fighting for a reasonable settlement.
Joye Law Firm Injury Lawyers handles Liberty Mutual claims with a thorough, client-focused approach. We guide you every step of the way, from gathering the facts and protecting your rights to pushing back when Liberty Mutual try to settle low. We’ve been helping injured South Carolinians since 1968, and 18 of our attorneys have been selected for inclusion in the 2026 edition of the Best Lawyers in America for personal injury. So, you can trust that your case is in capable hands.
If you’re struggling with a Liberty Mutual claim or other personal injury cases, don’t face it alone. Call us at 888-324-3100 for a free consultation today. We’ll talk with you about your accident, your injuries, and how to move forward toward fair compensation.
Winning Against Liberty Mutual: Results from Our Clients
Insurance companies like Liberty Mutual don’t hand out fair settlements easily, but they know our firm won’t accept less than what our clients deserve. Our attorneys have a reputation for fighting to recover the maximum compensation our clients need after serious injuries, even when insurers try to shift blame or minimize damages. Here’s how we’ve held Liberty Mutual accountable in real cases:
- $325,000 total recovery for a driver rear-ended in Moncks Corner. After two brothers were struck from behind while waiting to turn, the driver suffered injuries to his neck, back, and right shoulder. Despite Liberty Mutual’s attempts to limit payouts, Attorney Jeff Gerardi secured:
- $300,000 from our client’s Liberty Mutual underinsured motorist (UIM) coverage
- $5,000 from his Liberty Mutual medical payments coverage (MedPay)
- Plus $25,000 from the at-fault driver’s liability policy through Progressive
- $40,000 total recovery for the injured passenger in the same collision
The passenger, who experienced pain in his neck, back, knees, and shoulder, received:- $10,000 from Liberty Mutual UIM coverage
- $5,000 from Liberty Mutual MedPay
- Plus $25,000 from Progressive liability coverage
- $115,000 recovery for a woman injured in a crash on Sunset Blvd in West Columbia. Our client was injured when another driver pulled out in front of her, causing a collision. She sustained back injuries, right arm trauma, and a facial laceration. Attorney Brian Holmes recovered:
- $100,000 from the at-fault driver’s Liberty Mutual liability coverage
- $14,000 in underinsured motorist benefits from State Farm
- $1,000 from State Farm PIP/MedPay
How Joye Law Firm Handles Liberty Mutual Claims
If you’re wondering exactly how our attorneys handle a Liberty Mutual claim, the answer is simple. We follow a proven process designed to get you the results you deserve.
1. Reviewing Your Insurance Policy and Claim
The first step in handling your Liberty Mutual claim is to understand what is covered under all the policies implicated in your wreck. Whether Liberty Mutual insures you or the at-fault driver, every claim begins with a close look at the insurance policy language, limits, and conditions.
Our attorneys review every line of the policy to ensure we understand what Liberty Mutual is required to pay. We examine the following details:
- Bodily injury coverage
- Property damage limits
- Any special clauses that could affect your claim
If the insurance company attempts to deny coverage for something they’re obligated to provide, we’ll catch it and take action.
We also review your claim submission to ensure Liberty Mutual has all the necessary basic details. That includes accident reports, medical documentation, and bills. If anything is missing or unclear, we’ll fix it quickly so there’s no excuse for delay.
Understanding the policy is key to building a strong case. Liberty Mutual may rely on loopholes or vague terms. We won’t let that stand, and know how to hold large insurance companies accountable.
2. Building Strong Evidence to Support Your Case
Solid evidence is the foundation of every successful claim. At Joye Law Firm, we don’t wait for Liberty Mutual to request documents. We gather what we need from the start. Our attorneys collect these pieces of evidence to support your case and to show the full impact of your injury:
- Medical records
- Medical expenses
- Therapy notes
- Lost wages proof
- Witness statements
We also gather photos of the accident scene, vehicle damage, and physical injuries to help illustrate the severity of the event. We work with your doctors to get records that clearly explain your medical treatment, ongoing pain, and future care needs.
This step is significant because Liberty Mutual claims adjusters often question injuries that don’t show up on X-rays, like soft tissue injuries. We prepare by collecting reports that document every diagnosis, ranging from minor injuries, such as bruises, to more severe conditions, like nerve damage.
If necessary, we can also obtain written statements from court-approved specialists to demonstrate the impact of your injuries on your daily life. The goal is to build a file so complete that Liberty Mutual can’t argue the facts. With the proper evidence in place, your valid claim becomes hard to deny.
3: Dealing with Liberty Mutual Adjusters for You
Dealing directly with Liberty Mutual adjusters can be a stressful experience. They often ask for repeated updates, delay return calls, or question your medical treatment and time off work. That’s why Joye Law Firm takes over all communication once we represent you.
Our attorneys speak to the claims adjuster on your behalf and document every exchange. This ensures that your words are not misinterpreted and that all responses are accurate, timely, and concise. We also ensure that the adjuster has all required documentation, so they can’t blame delays on “missing records.”
When Liberty Mutual pushes back or offers an unfair initial offer, we challenge them with facts and evidence. If they undervalue your pain and suffering, ignore your future therapy needs, or claim you were partly at fault, we make it clear we won’t back down even if that means going to trial.
Many clients come to us after weeks of frustration dealing with Liberty Mutual alone. The difference is immediate once we step in. We know the system. We don’t let adjusters take advantage of people in pain.
4. Sending the Demand Letter and Countering Offers
Once we have all the evidence in place, we prepare a demand letter. This letter outlines what happened, what Liberty Mutual is responsible for, and what amount would qualify as a reasonable settlement.
The demand letter is not just a summary. It’s a legal document that clearly shows why Liberty Mutual must pay. We send it directly to the Liberty Mutual adjuster handling your case and track the response. In most cases, Liberty Mutual will make a counteroffer that’s lower than what’s fair. That’s where negotiation begins. We compare their offer to real values based on past personal injury cases, actual medical costs, and your long-term needs.
We go back and forth with the insurer until either a fair number is reached or they refuse to raise the offer. If they stay too low, we don’t stop. We’re fully prepared to take your case to court if that’s what it takes to get justice.
5. Negotiating a Fair Settlement or Filing Suit
The goal is always to settle your claim successfully without unnecessary delays. Most Liberty Mutual claims settle out of court, but only when the insurance company sees you have a strong case and an experienced law firm backing you.
We present Liberty Mutual with evidence and numbers they can’t ignore. If they try to lowball the amount, we don’t just reject it. We explain in detail why it’s not enough. If the insurer still won’t agree to a fair settlement, we can file a personal injury lawsuit on your behalf. This gets the case in front of a judge or jury. Sometimes, just filing suit pushes Liberty Mutual to come back with a better offer. If not, we move forward with full legal representation.
We never recommend a trial unless it’s needed, but we’re always ready for it. Our attorneys prepare your case thoroughly and stand by you from start to finish.
What is a Liberty Mutual Claim?
A Liberty Mutual claim is what you file when you’re hurt or suffer damages, and Liberty Mutual is the insurance company responsible. This could be after a car accident, a slip and fall, or any situation where Liberty Mutual insures the at-fault driver or property owner. If Liberty Mutual is your insurer, you’ll file directly. If the other person has Liberty Mutual, you’ll file a third-party claim.
People often assume that once they report the claim, Liberty Mutual will take care of everything. But that’s rarely the case. A Liberty Mutual insurance adjuster is trained to protect the company, not your interests. They may try to minimize your injuries, question your medical treatment, or offer a low initial offer that doesn’t cover your medical expenses, lost wages, or emotional distress.
Understanding your rights under the insurance policy and knowing what Liberty Mutual is responsible for is key. At Joye Law Firm, we review your case and make sure the insurance company doesn’t cut corners. If they refuse to admit fault or stall your payment, we will act quickly to protect your claim.
Common Challenges in Liberty Mutual Auto Claims
When clients come to us after dealing with Liberty Mutual, many feel worn down by the process. It’s not uncommon to hear that Liberty Mutual delayed their claim, denied payment without an apparent reason, or made an offer that didn’t even cover half of their medical bills. These aren’t rare stories. They occur frequently, especially when someone attempts to settle a claim without the assistance of a lawyer.
One of the most significant issues is that Liberty Mutual employs large teams of claims adjusters who handle hundreds of claims simultaneously. This can lead to mistakes, missed records, and severe delays. Even when injuries are visible, the company may challenge whether your medical treatment was necessary or whether the at-fault driver was truly liable.
These tactics are why Liberty Mutual is often listed among the ten worst insurance companies. At Joye Law Firm, we step in early to prevent these issues from arising. We know what fair looks like, and we’ll push back when the company acts unfairly. If you’re feeling stuck with your Liberty Mutual claim, we’re ready to help.
Why Liberty Mutual Is Often Ranked Among the Ten Worst Insurance Companies
Liberty Mutual has grown into one of the largest insurance companies in the United States but bigger doesn’t always mean better service. In fact, Liberty Mutual is frequently listed among the ten worst insurance companies by national consumer organizations.
Why? Complaints about slow claim processing, poor customer service, and bad faith denials are common. Many policyholders and injury victims report that Liberty Mutual is aware of and utilizes these tactics. One review from Better Business Bureau includes:
- Delays payments
- Denies valid claims using different excuses
- Increase in coverage for not-at-fault drivers
At Joye Law Firm, we see the impact of these tactics every day. Clients come to us frustrated, unpaid, and confused about why Liberty Mutual hasn’t honored their own insurance products. Whether it’s an injury from a crash or property damage, we push back when Liberty Mutual tries to avoid its responsibilities.
FAQs About Liberty Mutual Claims
Liberty Mutual Claims
Can I reopen my Liberty Mutual claim after accepting a settlement?
Usually not. Once you accept a settlement and sign a release, your insurance claim is closed. Even if your injuries worsen later, Liberty Mutual is not required to pay more. That’s why it’s important to fully understand your injuries, future care costs, and the actual value of your claim before signing anything. A personal injury lawyer can help you avoid settling too early and leaving money you deserve on the table.
Does Liberty Mutual monitor my social media during a claim?
Yes, like many auto insurance companies, Liberty Mutual can and often does review your public social media accounts. Photos, videos, status updates, and location check-ins may be used to question your injuries or argue that you’re not as hurt as claimed. It’s smart to avoid posting anything related to your accident or recovery while your claim is open.
Is Liberty Mutual required to pay for all my medical treatment after an accident?
Not automatically. Liberty Mutual only pays for treatment it considers “reasonable and necessary” and directly related to the accident. That’s often where disputes start. They might deny coverage for physical therapy, MRIs, or extended care without clear documentation. That’s why having detailed medical records and support from your doctors is so important in a personal injury claim.
How long does Liberty Mutual have to settle an auto accident claim in South Carolina?
There is no fixed time limit for an insurance company to settle a claim, but South Carolina law requires prompt handling. If Liberty Mutual delays without good reason, it could be acting in bad faith. Most auto claims should resolve within a few months, but complex cases involving bodily injury, disabilities, or high medical expenses can take longer.
Get Fair Compensation From Liberty Mutual with Legal Representation from Joye Law Firm
When you’re injured and struggling to get help from Liberty Mutual, you need Joye Law Firm for legal support. We focus on one thing: helping people like you hold insurance companies accountable. Our South Carolina personal injury attorneys know how to challenge delays, low offers, and bad faith tactics.
Call us at (888) 324-3100 today or schedule a free consultation online for a case evaluation. We don’t make promises we can’t keep. What we do offer is real legal support, clear answers, and a commitment to helping you get what’s fair.
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