If a policy is no longer in effect, a. Unfortunately, Liberty Mutual can sometimes deny your application even though you are truly disabled and unable to work. A denial could be very stressful for you, especially if you have those benefits to pay your bills. Keep in mind that you are not alone.
As lawyers specializing in long-term disabilities, we help people like you recover benefits that were unjustly denied. If you think filing an appeal under ERISA is simple, think again. ERISA is a federal law that strongly favors the insurance company. As a result, there are a number of myths, tricks and pitfalls in these appeals.
For this reason, we strongly recommend that you hire a disability lawyer trained by ERISA. There's simply too much at stake and too many ways for your appeal to go wrong. Get your denial letter from Liberty Mutual and carefully review the reason given for not paying a claim. Without valid insurance in place at the time of an accident or claimable event, the insurance company cannot afford any coverage.
A car accident is stressful, but it can turn into an even bigger headache if the car insurance company denies your claim. With the help of an experienced ERISA case management lawyer, you'll have the best chance of having Liberty Mutual overturn the denial. In some cases, a claim may even be denied out of bad faith or misrepresentation of the facts, so it's important to be truthful and accurate with your car insurance company when filing your claim. After you file a claim with your auto insurance company, an insurance adjuster will be responsible for documenting the details of the accident.
The first step in determining the validity of a denied car insurance claim is to understand the denial letter of the claim and the reason why an auto insurance company decided not to make a payment. Liberty Mutual policyholders may be surprised to learn that their disability benefits have been unfairly delayed or denied. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer. However, if your car is stolen or you cause an accident, the insurance company won't be able to help you without proper coverage.
Conversely, if Liberty Mutual has denied your claim, you may need to file an appeal with the company. After analyzing the facts provided, the adjuster will determine if the car insurance claim will be denied or accepted or not. Liberty Mutual was founded in 1912 and offers a variety of insurance options, from auto insurance, homeowners insurance and disability insurance. If your auto insurance policy believes that the accident doesn't cover the accident, the insurance company will send you a formal letter stating the factors that led to the decision.