What to Expect When Submitting a Liability Claim

If you’ve found yourself in a situation where someone is holding you responsible for damage or injury, you may be asked to submit a liability claim to your insurance company. Whether it’s auto, home, or general liability coverage, the process can feel intimidating—especially if it’s your first time. The good news? Knowing what to expect can significantly reduce the stress and help your claim move forward smoothly. Here’s a step-by-step look at what you can expect when submitting a liability insurance claim.

1. The First Step: Reporting the Incident

As soon as you’re aware of an incident that could lead to a liability claim, report it to your insurer.

What you’ll typically need:

• Date, time, and location of the incident

• A clear description of what happened

• Names and contact details of the involved parties

• Photos, videos, or documentation if available

• Police or incident reports (if applicable)

Your insurer will open a claim file and assign a claims adjuster who will serve as your main point of contact.

2. The Adjuster’s Initial Review

Your adjuster will review the information to understand:

• What happened

• Who may be legally responsible

• What damages or injuries are being alleged

It's normal for the adjuster to ask follow-up questions. This isn’t meant to interrogate you—it’s simply part of determining liability and coverage.

3. Contact With the Claimant

If someone has filed a liability claim against you, the adjuster will contact them (or their representative) to gather:

• Their version of events

• Documentation of injuries or property damage

• Medical bills, repair estimates, or other proof of financial loss

You generally won’t need to communicate directly with the claimant once the insurer is involved—and in most cases, it’s better not to. Let your carrier handle the conversations to avoid misunderstandings or statements that might complicate the claim.

4. Investigation and Evidence Gathering

The adjuster will conduct a full investigation, which may include:

• Reviewing photos or video footage

• Visiting the scene

• Speaking with witnesses

• Obtaining police or incident reports

• Analyzing contracts, leases, or other relevant documents

Depending on the complexity of the situation, this phase may take anywhere from a few days to several weeks.

5. Determining Liability

Once the investigation is complete, the insurer determines:

• Whether you’re legally responsible

• Whether the policy provides coverage

• To what extent damages are owed

Liability might be:

• Clear (you’re found fully responsible)

• Shared (both parties contributed to the incident)

• Denied (your insurer finds you weren’t negligent or the claim isn’t covered)

Your adjuster will explain the reasoning and walk you through the next steps.

6. Settlement Negotiation

If you are found liable and the claim is covered, your insurer will negotiate settlement directly with the claimant. This could involve:

• Property damage payments

• Medical expenses

• Lost wages

• Pain and suffering (in bodily injury cases)

Insurers work to settle claims fairly within policy limits while protecting your legal and financial interests.

7. What About Legal Defense?

One major benefit of liability insurance is that it often includes legal defense. If a lawsuit is filed against you:

• The insurer appoints an attorney

• Defense costs are paid by the insurance company (usually outside your policy limits)

• You’ll be consulted, but the insurer leads the process

This can save you tens of thousands in attorney fees.

8. Your Obligations During the Process

To keep the claim running smoothly, you’ll be expected to:

• Cooperate fully with your adjuster

• Provide documents or evidence promptly

• Avoid discussing the incident publicly or with the claimant

• Notify the insurer of any new information

Failure to cooperate can delay or jeopardize your coverage.

9. How Long Does a Liability Claim Take?

Timelines vary, but general ranges are:

• Simple property damage claims: 1–4 weeks

• Non-injury slip-and-fall claims: 30–90 days

• Bodily injury claims: Several months to a few years (depending on medical treatment and legal involvement)

Insurance companies can’t finalize settlement on bodily injury claims until treatment is complete and damages can be fully evaluated.

10. Will Filing a Liability Claim Increase Your Premium?

It can, but not always. Insurers consider:

• The type of incident

• The payout amount

• Your claims history

• Your state’s rating rules

Your adjuster or agent can help you understand how a claim may affect your policy renewal.

Final Thoughts

Submitting a liability claim doesn’t have to be stressful. With proper documentation, clear communication, and an understanding of the steps involved, the process can be surprisingly smooth. At Insurance Connection, it’s our job is to help protect you—financially and legally—when unexpected situations arise. Whether you’re facing a minor property issue or a more complex liability situation, Insurance Connection is here to protect your peace of mind and help you get back to normal with confidence.