Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 11, 2016

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Insurance Question from Bronx, NY

Asked on 03/11/2016

Liberty mutual deny my claim.what can I do? I was involved in a car accident a truck driver hit my side rear bumper, causing my car to switch in vertical position,then dragged me down the express way where my car hit another car. in the police report both drivers went against me claiming I made an abrupt lane change which was not true,my insurance company spoke to the driver that my car hit,he admitted he never saw me until my car hit his car. also the office failed to document everything I said so I had the police report amended. Liberty mutual deny my collision calim based on the first police report. I don't have full coverage.

Answer given on March 15, 2016

Since you do not have full coverage on your car that was damaged in the accident, your only hope is for Liberty Mutual to reverse its decision as to who was at fault in the accident.Since the other two drivers say that you caused the accident with an abrupt lane change, there is not much hope for you. Even if the police officer in his report did not document everything you said, your chances are slim. You can contact the police officer and ask if he will amend his report to include your entire statement. If he will do this, you can ask Liberty Mutual to review the revised report. You can also ask them to review the damage to your car. If you were hit in the rear, that could back up your story. However, if you were hit on the side or the opposite side of the car that would have supported your story, you may be out of luck.


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