Denied Liberty Mutual Insurance Claims in North Carolina

Posted by Admin | May 18th, 2022 |

Liberty Mutual provides auto insurance to individuals throughout the state of North Carolina, but there are times when the company denies claims after a car accident. It is crucial for individuals to take steps after the vehicle accident and right after a denial to help ensure that they recover the compensation they need. Here, we want to discuss why your claim would be denied by Liberty Mutual and what you can do to respond.

denied liberty mutual

Why Liberty Mutual Claims get Denied in NC

Liberty mutual is an incredibly popular insurance carrier in North Carolina, and undoubtedly they gain more customers each day as a result of their catchy commercials. However, that does not mean that every claim submitted to Liberty Mutual will be accepted. There are certainly times when Liberty Mutual denies an auto insurance claim for a legitimate reason.

There are many reasons why an auto insurance claim would legitimately be denied, including:

  • The premium was not paid so the policy lapsed
  • The individual driving the vehicle was not an insured driver
  • The law was broken when the incident occurred
  • There is a property damage coverage but no comprehensive or collision policy
  • Policy limits are not high enough for the claim amount requested
  • There is a dispute over who caused the incident

This is certainly not a complete list of why claims get denied by Liberty Mutual, but the reality is that you may need to work with an attorney to help ensure that you recover the compensation you need. This is particularly true if you think the claim has been denied in bad faith.

Dealing With Bad Faith Liberty Mutual Insurance Claim Denial

All automobile insurance carriers in North Carolina are responsible for acting in good faith and fair dealing with their customers. The term “bad faith” is used to describe a claim against an insurance carrier, and bad faith claim denials occur in a wide variety of ways. Some of the most common examples of a bad faith denial by Liberty Mutual include:

  • The insurance carrier failing to properly investigate the claim
  • Failing to offer a fair settlement
  • Failing to acknowledge new evidence submitted pertaining to the claim
  • Misrepresenting the provisions of the insurance policy or relevant facts pertaining to the case
  • Failing to either approve or deny the claim within a reasonable amount of time
  • Failing to provide a reasonable explanation for a denial

Insurance carriers are known for using tactics to limit how much money they payout in a settlement. However, this is typically relegated to thoroughly investigating the incident and following up on all sides of the case. This does not mean breaking the law. Bad faith insurance denials are certainly against the law, and we strongly encourage any individual who has had a bad faith denial from Liberty Mutual to work with a skilled attorney immediately.

Discussing Your Insurance Denial With a Lawyer

Individuals who successfully file a bad faith insurance claim against Liberty Mutual may be able to recover various types of compensation. This includes the settlement that the person should have been awarded as a result of the vehicle accident as well as punitive damages against the insurance carrier. Contact a Raleigh car accident attorney today.