A Personal Injury Law Firm for Liberty Mutual Insurance Claims Serving Greater Chicago and Illinois
Liberty Mutual Insurance is the nation’s seventh-largest auto insurer, writing over $9 billion in premiums every year for about five percent of the nation’s auto insurance market. Although Liberty Mutual presents itself in advertising as charitably motivated, in reality it is a business that loses money every time it pays out a claim.
This situation results in a built-in conflict of interest – the more money you lose, the more money Liberty Mutual gains, and vice versa. Consequently, don’t expect them to “stand with you” when you ask them to satisfy your claim. Instead, expect them to spare no effort to reduce the value of your claim or deny it altogether. Insurance industry professionals are savvy negotiators who bring a rather large bag of tricks with them to the settlement table and, if necessary, to court.
None of this is anything new to the car accident lawyers at Malman Law – we have seen it all before, more times than we can count. Unlike an insurance company, we really do “stand with you” – due to our Zero Fee Guarantee, we won’t charge you a dime in legal fees unless we bring home a settlement or verdict for you. Even then, what you owe us will be proportionate to how much money we obtain for you.
Consequently, there will be no conflict of interest between you and us. We only win if you win too. We can afford to make this offer because we win 95 percent of our cases – and we don’t like it when an insurance company tries to take advantage of our client.
Illinois drivers are required to carry auto liability insurance with limits no lower than $25,000 per victim and $50,000 per accident. Note that these are minimum coverage limits – the at-fault driver may carry more than the minimum coverage. Even if the at-fault motorist does not carry any liability insurance at all, your own mandatory uninsured motorist coverage will pay out $20,000 per person and $40,000 per accident in underinsured motorist coverage. This means that you may need to claim against your own insurance policy, even if the accident was not your fault.
Although we are well-prepared to fight it out in court, over 95 percent of our clients’ claims are settled out of court. From the moment that we take your case, we will work to bring you a settlement as quickly as possible – but only if it reflects the full value of your claim. So far, we have collected hundreds of millions of dollars in verdicts and settlements for clients just like you.
“Two years ago, I was involved in a trucking accident involving a 14-wheeler truck that nearly disabled me for life. Steve fought to make sure that I received the most possible compensation for my injuries. I was about to take the insurance company’s lowball offer, but decided to call Steve first – it was the best decision I’ve made yet.” – Malman Law Client
Our Practice Areas
- Vehicle accidents: Vehicle accidents are the most common personal injury claim, because they happen so often and because they are usually the fault of one of the drivers. Texting and driving, intoxication, malfunctioning auto parts, and even simple carelessness can trigger a personal injury claim over a vehicle accident.
- Nursing home abuse: With over 1,000 nursing homes in Illinois, a certain amount of nursing home abuse is inevitable, despite the fact that it is one of the most despicable offenses that can be imagined. Nursing home abuse can arise from negligence or from intentional physical, emotional, or sexual abuse of a nursing home resident.
- Workers’ compensation: The workers’ compensation program provides a no-fault resolution of work-related injury claims, although the maximum compensation is more limited than other types of personal injury claims. In some work-related injury cases, however, the workers’ compensation system can be bypassed completely in favor of an ordinary personal injury lawsuit.
- Medical malpractice: The standard of care that applies to a medical professional is far higher than the standard that applies to a passerby rendering first aid at the scene of a traffic accident. When this professional standard of care is violated to the detriment of a patient, a medical malpractice claim is not only appropriate, it is essential to ensure justice.
- Slip and fall accidents: Slip and fall accidents cause just about as many serious injuries as car accidents do, and the elderly are particularly vulnerable. A personal injury claim is particularly likely to be appropriate if your injury occurred on retail premises open to the public.
- Product liability: A product liability claim arises when you seek injury compensation from the manufacturer or distributor of a defective product. Product liability law applies its own rules that are distinct from other types of personal injury claims.
- Dog bites: In Illinois, dog owners are held strictly liable for injuries caused by their dogs – in other words, they can be held liable regardless of whether or not they negligently supervised their dog. Fortunately for injured parties, even a dog owner with few financial resources usually holds homeowner’s or renter’s insurance that will pay out on a dog bite claim.
- Wrongful death: A wrongful death claim is asserted by the personal representative of the probate estate of someone who dies from a personal injury. The proceeds of any settlement or verdict generally go to the victim’s next of kin, and to the estate for reimbursement of expenses such as medical bills paid by the estate.
Frequently Asked Questions (FAQs)
1) What is the difference between a personal injury claim and a wrongful death claim?
A personal injury claim is the type of claim that you file when you are injured in an accident that you suspect is someone else’s fault. A wrongful death claim is a lawsuit filed by the personal representative of the probate estate of a victim who died in an accident. Wrongful death lawsuits are governed by Illinois wrongful death law.
2) Why can’t I deal with the insurance company myself?
Insurance company executives are experienced negotiators who bring years of experience to the table. Imagine, for example, being asked to state the exact time of the accident, only to find out later that the insurance company is claiming the accident was your fault because you were looking at your watch instead of watching the road.
3) Can I file a claim against the city, county, or state government?
Yes, under certain circumstances. The Illinois Court of Claims Act governs personal injury claims against the city, county, or state government. The most important limitation on a claim against the government is that you must prove the defendant’s conduct was “willful and wanton,” a tougher standard to meet than mere negligence.
4) Do I have to provide a written statement to the insurance company?
Under no circumstances should you provide a written statement to the insurance company you are claiming against until you attorney agrees and checks it over first. If you are claiming against your own insurance policy, you may be required to provide a written statement at some point. A written statement might not be necessary if you are claiming against the other driver’s insurance policy.
5) What information should I collect after a vehicle accident?
At the very least, you should gather the following:
- The date, time, and place of the accident
- The nature of your injuries
- The other driver’s insurance information
- The names and contact details of all parties involved in the accident
- The names and contact details of any witnesses
- A description of your vehicle and the other driver’s vehicle, including plate numbers
6) What kinds of damages are available in a wrongful death lawsuit?
Wrongful death damages are distributed among close relatives and the victim’s estate. They might include:
- Funeral and burial expenses
- Loss of financial support
- Pain and suffering of the victim
- Grief and suffering of survivors
A jury is entitled to award whatever damages it considers “fair and just.”
Liberty Mutual Auto Accident Insurance Claim? Contact the Professionals at Malman Law
Malman Law is not a faceless mega-firm whose clients are little more than case numbers. We will assign your case to a team of lawyers with experience in both settlement negotiations and courtroom negotiations. Many auto accident attorneys are experienced in settlement negotiations but lack courtroom experience. The effectiveness of lawyers like these is limited, because Big Insurance isn’t afraid of an attorney who lacks the ability to force them to pay. Our extensive courtroom experience insures that insurance companies will not take us lightly.
Our track record of $200 million in settlements and verdicts for over 20,000 personal injury clients is a source of tremendous satisfaction for us. If you believe that you might have a Liberty Mutual auto insurance claim in Illinois or Greater Chicago, phone us today or contact us online for your free initial consultation. We are accessible 24/7, and if you can’t come to us, we’ll come to you.