When it comes to Florida insurer reputations for paying injury claims, Liberty Mutual is slightly below average. Liberty Mutual used to pay better.
That means that if you are injured in a car accident caused by someone who is insured with Liberty Mutual, then expect a below average payout.
The same is true if you have an uninsured motorist insurance claim with Liberty Mutual.
Your other option is to sue and head towards trial.
In my opinion, Liberty Mutual Insurance has made a business decision to offer less than the fair value of an injury claim. There are many insurers that pay much better than Liberty Mutual in an injury case. They include Scottsdale, Crum and Forster and others.
Liberty Mutual is one of the largest auto and business liability insurers in the United States. However, I do not think that their presence is as big in Florida as some other states.
$100,000 Settlement With Liberty Mutual for Back Surgery from Car Accident
After the crash, she told her doctor that she had lower back pain. She treated with a chiropractor for a few months but the pain did not go away.
They claimed that the woman hit the car in front of her before the truck driver hit her car. Liberty Mutual put 50% blame – for causing the accident – on the woman.
MGA Insurance Company insured the claimant’s car.
$31,500 Settlement With Liberty Mutual After Shower Door Shatters and Cuts Man’s Leg
When he opened the shower door, it shattered. It sliced his lower leg, slightly above his ankle.
The pictures of his injury were graphic. It looked like someone hit him in the leg with a small ax.
However, he healed well. The scar was hardly visible. He did not take pictures of the shattered glass.
We argued that the hotel should’ve used tempered glass.
Liberty Mutual paid $31,500 to settle. Their first offer was $14,500.
Ace Insurance Company (now Chubb) insured the shower door installation company.They offered an additional $10,000. We didn’t settle with Ace because their settlement release required him to hold them harmless from any claims brought by any parties.
Taking Photos Can Help Your Case
The injured person should always take pictures and/or video of:
- The shattered glass
- Any blood on the floor, your body and anywhere else
- A full body photo of yourself
- The entire accident scene
- Any witnesses including, but not limited to, before and after witnesses
- Any other important evidence
Driver Sues LM General Insurance for Bulging and Herniated Discs
This isn’t my case. In Bellezza v. LM General Insurance Company, Dist. Court, MD Florida 2018, Nicholas Bellezza, a 28 year-old man, was injured when he was driving in the parking garage of Whole Foods grocery store in Sarasota, Florida.
Bellezza claimed that Joshua Barbour accelerated quickly from a parking space and struck the rear passenger door of Mr. Bellezza’s car. At the time of the accident, Bellezza was covered by an insurance policy issued by LM General Insurance Company.
A cervical (neck) spine x-ray performed on February 18, 2016, showed mild disc space narrowing at C5 . . . Prominent left sided transverse process at C7 . . .and moderate restricted range of motion with no anterior vertebral offset.”
On September 14, 2016, Bellezza presented himself to Dr. Larry Fishman at Florida Surgery Consultants for complaints of “neck pain as well as upper extremity tingling.”
Dr. Fishman recommended a “decompression” but Bellezza has not undergone any of the procedures recommended. Thereafter, on October 3, 2016, Bellezza presented himself to Larson Natural Health Center and “chiropractic, physical therapy, and manual therapy techniques” were recommended.
On December 19, 2016, Bellezza’s attorney sent a letter to Defendant LM General Insurance Company demanding a settlement in the amount of the policy limits — $250,000.00. Belleza’s attorney explained that Bellezza’s medical bills then totaled $8,368.66. The demand letter also described projected future damages and loss of the enjoyment of life, among other topics.
LM General Insurance did not tender the policy limits and on December 29, 2017. Thus, Belleza sued LM. LM removed the case to federal court.
I assume that Liberty Mutual thought it had better odds of owing less money in federal court. However, the judge sent the case back to state court.
I will update this part of the article when this case is resolved.
Making a PIP Claim with Liberty Mutual
The current address is:
Attn: PIP Claims
Liberty Mutual Insurance Co.
Corporation Service Company, 1201 Hays St.
Tallahassee, FL 32301-2699
If Liberty Mutual insures someone who caused your injury, your letters to Liberty Mutual can be sent to:
175 Berkeley Street
Boston MA 02116
The phone number to call when reporting a claim with Liberty Mutual is (617) 357-9500.
Florida Motorcycle Accident Claims with Liberty Mutual
The motorcyclist may own a car with uninsured motorist (UM) liability coverage.
Liberty Mutual also offers UM liability coverage on motorcycles.
ATV and Off-Road Accidents
Liberty Mutual insures ATVs in Florida.
Recreational Vehicle (RV) Accident Claims with Liberty Mutual in Florida
Liberty Mutual insures motorhomes and travel trailers on the road or wherever they are parked. However, they require an underlying Liberty Mutual Auto Insurance policy.
Motorhome and travel trailers may have BI liability coverage. If a motor home or travel trailer causes a person’s injury, he or she can make a claim against the BI coverage.
Home Insurance Claims against Liberty Mutual in Florida
Liberty Mutual insures many different types of Florida home injury claims. They include accidents caused by:
- Condominium Owner
- Mobile Homes
Homeowners claims against Liberty Mutual in Florida
Liberty Mutual provides homeowners insurance to protect the homeowner from personal injury claims.
On premises claims
A homeowner’s negligence may cause someone to get injured on the premises. The injured person can make a claim against Liberty Mutual homeowners insurance for his or her damages.
Example – Trip and Fall
A grandmother is babysitting her grandchildren at her daughter’s house. The daughter’s home is insured with Liberty Mutual.
The grandmother trips on an improperly placed cable. The grandmother can make a claim with Liberty Mutual for her damages.
Example – Dog Bite
You are bitten by a homeowner’s dog. You may make a claim with Liberty Mutual for damages. These include medical bills, lost wages, pain and suffering.
Off property claims as well
Liberty Mutual home insurance covers the homeowner in certain situations while off the property as well.
Example – Shopping Cart Accident at the Store
Liberty Mutual insures a Florida homeowner. The homeowner pushes a shopping cart into another shopper.
The other shopper suffers a hip fracture. The injured shopper can make a claim against the homeowner’s Liberty Mutual insurance.
Injury Claims Against Condo Owners Covered by Liberty Mutual in Florida
Liberty Mutual condo insurance gives the owner personal liability coverage. This covers accidental bodily injury caused by the owner, an immediate family member living in the home and pets.
It also covers the owner for lawsuits.
It comes with medical payments coverage. It covers the owner for medical bills for someone other than the owner or his or her family, who has been in an accident on the property.
Some injury claims against Liberty Mutual condo insurance may be:
- Slip, trip and falls
- Dog bites
The injured victim may also have a case against the condo association if the accident occurred in a common area.
Liberty Mutual also offers workers compensation insurance. If you are injured while you are working, and your employer has Liberty Mutual workers compensation insurance, then Liberty Mutual may give you benefits.
I represent (along with a different law firm) people who are injured while working (on the job).
I have settled (as co-counsel) many workers compensation claims. If you were injured while on the job, you may be entitled to money in addition to the money paid for your lost wages and medical bills.
Do not expect the workers compensation claims adjuster to tell you this. This is one of the many reasons why it is important to have an attorney to handle your workers compensation claim.
If you are making a workers compensation claim against Liberty Mutual, don’t expect Liberty Mutual to pay you for your pain and suffering. This is because workers compensation laws in Florida do not allow for pain and suffering.
Sometimes workers compensation settlements are much smaller than personal injury settlements where someone else was at fault. There are rare times where a Florida worker can sue for personal injury though.
General Liability (Claims against a business, hotel, store, shopping mall, etc.)
Liberty Mutual also provides general liability insurance. That means that if you are injured at a hotel, store, shopping mall or other business, then you may end up dealing with Liberty Mutual.
Similar to homeowners insurance, a general liability insurance policy may have “medical payments” coverage, which would pay for your medical bills regardless of fault.
If a truck insured with Liberty Mutual hits you, then in order to get pain and suffering you have to prove that the truck driver was at fault and this caused your injuries.
There is a time limit to sue for a claim based on negligence in Florida. You therefore have a limited time to sue the truck driver, company or dispatcher.
If you have Personal Injury Protection (PIP) insurance or uninsured motorist insurance with Liberty Mutual, you should report the claim in writing to Liberty Mutual as soon as possible following the accident.
Boat and Watercraft Accident Claims
Liberty Mutual insures boats or watercrafts with liability insurance. It protects the boat or watercraft owner and passengers from personal injury.
The boat is insured while on water and on land. The boat and trailer are covered. BI liability coverage and medical payments coverage is optional.
Liberty Mutual Insurance Company is the 14th largest Florida aircraft accident insurer. The 2014 Annual Report states that its written premiums were $3,124,032. Its market share was 3.3%
Products Liability Claims
The 2014 Annual Report states that Liberty Mutual Fire Insurance Company was the 13th largest Florida product liability insurer.
Products liability deals with the recourse for personal injury or property damage resulting from the use of a product.
An example of a products liability claim is if part of a baby crib breaks and a child’s arm gets fractured.
Liberty Mutual’s products liability written premiums in Florida were $3,785,767. Its market share was 1.8%.
Filing a Complaint Against Liberty Mutual in Florida
You can find Liberty Mutual entity with whom you are dealing with by looking at the declarations page for the insurance policy.
You may need to know the proper name if you ultimately need to file a civil remedy notice of insurer violation if they do not act in good faith.
Which Companies are part of Liberty Mutual?
Safeco Insurance is part of the Liberty Mutual Group. Safeco is the 13th largest private passenger auto liability insurer in Florida.
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Editor’s Note: This post was originally published in August 2013 and has been completely revamped and updated.