---
description: Liberty Mutual Insurance has a large presence in Maryland. However, it&#039;s not uncommon for policyholders to face denial of their claims.
title: Dealing With Denied Liberty Mutual Insurance Claims in Maryland
image: https://www.chaikinandsherman.com/wp-content/uploads/2024/06/image-8.png
---

 

# Dealing With Denied Liberty Mutual Insurance Claims in Maryland

* Last Updated: September 4, 2024
* Reading Time: 6 minutes

Trusted Content 

![090424_CSCS_APE30]()

Legally Reviewed by  
Allan Siegel

Updated 2 years ago

[Home](https://www.chaikinandsherman.com/) » [Washington DC Car Accident Lawyer](https://www.chaikinandsherman.com/car-accidents/) » Dealing With Denied Liberty Mutual Insurance Claims in Maryland

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**Speakers:** Ira Sherman, Joseph Cammarata, Stephen Ollar, Allan Siegel

**Ira Sherman (00:02):** I would say that Chaikin, Sherman, Cammarata and Siegel has a completely different outlook on cases that other people think are garden variety automobile accidents, because to the person who is involved in that accident, that’s not garden variety, that’s altering their life.

**Joseph Cammarata (00:21):** First of all, we don’t advertise. People come to us by word of mouth, either from defense lawyers, from insurance companies, from colleagues at the bar. They know that we have decades of experience in the personal injury field. They know that what we bring to bear is a group of lawyers that work and non-lawyers that work as a team to make sure we understand what the nature and the extent of the injury is. We make sure we understand and can express to a third party just what those injuries are, and we work to obtain the most compensation that we can for an individual.

**Stephen Ollar (01:04):** What we do a lot of is discovery, not just discovery of the facts of the case, but discovery about insurance. It may be that the individual was operating the vehicle for an employer, and if they were acting with what we call the course and scope of their employment, then there could be potentially additional coverage that would cover a person for those injuries.

**Allan Siegel (01:27):** We’ve been handling car accident cases since Don Chaikin founded this firm over 50 years ago. Since we spend a lot of time and we have a lot of those cases, we have developed a level of experience and knowledge that I think is very unique in our field. There aren’t many law firms who can say that they’ve been doing this type of work for over 50 years.

**Ira Sherman (01:52):** I care enough to look to determine who this person is and how it affected them, and that takes up a lot of my conversation with our clients.

## Liberty Mutual Insurance Company Claims

Liberty Mutual Insurance, one of the bigger companies in the insurance industry, has a large presence in Maryland. However, like any car insurance company, it’s not uncommon for policyholders to face denial of their insurance claims. Having your claim rejected can be frustrating, and navigating the complex bureaucracy to dispute it can feel like an insurmountable task. Enlisting the help of an experienced Maryland auto accident attorney can significantly ease this process, ensuring you get the fair treatment and compensation you deserve. 

### Chaikin, Sherman, Cammarata, & Siegel P.C. Can Help Fight For You

When handling Liberty Mutual Insurance auto claims, rely on Chaikin, Sherman, Cammarata, & Siegel P.C. Our skilled team of [accident attorneys](https://www.chaikinandsherman.com/car-accidents/) in Maryland understands insurance claims intricacies, challenging any unjust treatment. We commit our expertise and resources to uphold your rights, pursuing fair compensation. Seek professional help for car insurance claims. [Contact us](https://www.chaikinandsherman.com/contact-us/) for a free consultation. Our friendly attorneys will evaluate your case, provide insights, and offer support. We are committed to exceptional legal assistance, standing by your side in your time of need.

![insurance adjuster writing on a clipboard on top of a damaged car]()

## Liberty Mutual Insurance and Their Claims Process

Filing an insurance claim with Liberty Mutual is a straightforward process designed to expedite your auto accident claim. Initially, to report a claim, you can use their online portal, mobile app, or contact them over the phone. You’ll need to provide detailed information regarding your policy and the incident which led to the claim. After your claim is filed, it will be assigned to a Liberty Mutual Claims Representative, who will assess the details and determine the validity of the claim. This specialist may even conduct a thorough investigation, which often includes interviews, evidence collection, and damage assessment. 

It’s essential to note that claim approval is not guaranteed, as each claim is subjected to their assessment process. If your claim is denied, you will be notified with an explanation for the denial. You have the right to dispute this decision, and it’s recommended to have legal representation, like the team at Chaikin, Sherman, Cammarata, & Siegel P.C., to guide you through the appeals process. Navigating the insurance landscape can be difficult, but with the right legal assistance, you can increase your chances of a successful claim.

## Beware of Liberty Mutual’s Claims Tactics

### Quick Settlement Offers 

It’s not uncommon for most insurance companies, including Liberty Mutual, to swiftly present a settlement offer, especially in personal injury cases. While this may seem like they are acting in good faith, you should be wary. These fast offers are often far less than what your claim is truly worth. It’s a tactic used to close the claim quickly and cheaply. Never accept an offer without first consulting an experienced car accident attorney.

### Denials or Reductions Based on Policy Exclusions

Liberty Mutual may attempt to deny or reduce your claim by citing policy exclusions, often using complex language and fine print to justify their decision. While it’s true that some policies have exclusions, it’s crucial you understand these before accepting their decision. An attorney can help you comprehend these complex terms and ensure your claim is valid and fair.

### Delay Tactics

In some cases, Liberty Mutual may drag out the claims process. This delay tactic can be frustrating and is typically used in the hope that you’ll give up or accept a lesser settlement. Persistence and the backing of a solid legal team can counter this tactic effectively.

### Incorrect Fault Determination

Liberty Mutual may wrongly determine fault to minimize their payout or even deny your claim completely. They may argue that you were partially or entirely at fault for the incident leading to your claim. An experienced attorney can help contest this and establish the true nature of fault in your claim.

Remember, understanding these tactics can provide you with the knowledge to counter them effectively. However, the most effective way to fight back is with the guidance and support of[ experienced legal representation](https://www.chaikinandsherman.com/when-to-hire-a-personal-injury-lawyer/).

![insurance claim adjuster taking a picture of a damaged car with a camera and clipboard in his hand]()

## Common Reasons for Claim Denials

**Lack of Coverage:** The insurance policy may not cover the type of accident or damage that occurred.

**Late Reporting:** The claim was not reported promptly after the incident.

**Unpaid Premiums:** The policyholder has not paid their insurance premiums, resulting in a lapse of coverage.

**Auto Insurance Policy Exclusions:** The claim involves a specific situation or item that the policy explicitly excludes.

**Misrepresentation:** The Liberty Mutual policyholder has misrepresented or omitted crucial details during the application process or claim filing.

**Fraudulent Claim:** The auto insurance company has grounds to believe that the claim is fraudulent.

**Violation of Policy Terms:** The policyholder has violated the terms of the policy, such as driving under the influence in case of an auto insurance claim. 

**Insufficient Documentation:** There isn’t enough evidence or documentation to support the claim.

## Steps to Take When Your Insurance Claim is Denied 

**Understand the Denial:** The first step is to thoroughly understand why your claim was denied. Insurance companies are required to provide a detailed explanation for the denial. Review this explanation carefully to ensure there have been no errors or misunderstandings.

**Review Your Policy:** Go over your insurance policy to verify whether the reason for denial is valid. Look for any loopholes or exclusions that may apply to your situation. 

**Gather Evidence:** If you believe your claim was wrongly denied, start amassing evidence to support your case. This could include photographs, medical reports, police reports, witness statements, or any other relevant documentation.

**Hire a Lawyer:** If your efforts don’t result in claim approval, consider hiring a lawyer. An experienced attorney like those at Chaikin, Sherman, Cammarata, & Siegel P.C. can assist you in challenging your claim denial.

**File an Appeal:** With your attorney’s help, file a formal appeal against the claim denial. Your lawyer will guide you through the appeals process, ensuring you meet all deadlines and submit the necessary documentation.

**Consider Legal Action:** If your appeal is unsuccessful, you may want to consider taking legal action against the insurance company. Your attorney can advise you on the viability of this option based on your specific situation.

Claim denial is not the end of the road. With persistence, strong evidence, and the right legal assistance, you can challenge the decision and work towards getting the compensation you deserve.

![insurance adjuster taking a picture of a damaged van]()

## Legal Options in Maryland for Denied Claims

If you reside in Maryland and face a denied insurance claim, you have certain legal options to pursue. These include appointing an insurance claim lawyer or even taking the step to file a lawsuit against Liberty Mutual.

### Hiring an Insurance Claim Lawyer

One of the most effective ways to challenge a denied claim is by hiring an insurance claim lawyer. Lawyers specializing in insurance claims, like those at Chaikin, Sherman, Cammarata, & Siegel, P.C., are knowledgeable about the complex legal landscape of insurance and can provide valuable guidance. They can help you understand the intricate terms of your policy, gather compelling evidence, deal with insurance adjusters, and potentially negotiate a fair settlement.

### Filing a Lawsuit Against Liberty Mutual

If all other efforts fail, you might consider filing a lawsuit against Liberty Mutual. This is a serious step and should be taken under the advisement of your attorney. A lawsuit can be filed for various reasons, such as bad faith claim handling, breach of contract, or if you believe the company has been unjust in its actions. Your attorney will be able to guide you through the process, from drafting and filing the complaint to representing you in court. Nonetheless, it’s important to assess the cost, time, and emotional stress involved in a lawsuit before deciding this is the right path for you.

![woman taking a picture of an accident scene]()

## Our Legal Expertise Can Transform Your Claim Process

Our law firm, Chaikin, Sherman, Cammarata, & Siegel P.C., is dedicated to providing comprehensive and personalized legal support to individuals grappling with denied insurance claims. Our team of expert attorneys possesses deep knowledge and vast experience in dealing with insurance companies like Liberty Mutual. We stand with our clients every step of the way, from understanding the nuances of their insurance policy and gathering robust evidence to negotiating for a fair settlement. In instances where a lawsuit becomes necessary, we are prepared to represent you in court, always striving to ensure your rights are protected and justice is served. Marking the end of the road with a claim denial is not an option for us. We believe in your right to rightful compensation and will work tirelessly to help you achieve it. 

For comprehensive legal assistance that transforms daunting insurance claim processes into doable tasks, don’t hesitate to[ contact us](https://www.chaikinandsherman.com/contact-us/). Let us navigate this journey together, ensuring that you’re not just a policy number but a valued individual deserving of fair treatment and compensation.

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A dual board-certified civil trial attorney, **Joseph Cammarata** is nationally recognized for his fierce advocacy, landmark legal victories, and relentless pursuit of justice for victims of serious injury, wrongful death, sexual assault, and civil rights violations. With wins against powerful opponents—including a historic U.S. Supreme Court case securing equal access to justice—he’s the attorney clients trust when they need skill, strength, and results that matter.

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 08/18/2021 

```json
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