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Beware Liberty Mutual!
Posted by on 12/18/2001
HOUSTON, TEXAS -- Just before thanksgiving, I was involved in an accident where a 20 year old young lady hit my truck in a parking lot. Although I'm the one making this complaint, she probably still got the worse end of the deal because her vehicle was totalled. My complaint is about her insurance company, Liberty Mutual. They are substandard in several ways! Frist, they confused the two parties, nearly totalling my truck. Second, NO ONE will return phone calls for inquiries. Third, they will not completely repair my vehicle, citing prior, unrelated damage! Hence the reason for my complaint. I've been fighting with Liberty Mutual and the body shop, Helfman Ford, to have my cracked window fixed. At this point, I'm going to contact an attourney. For thos interested, Liberty Mutual is located at 13201 N.W. Freeway @ Holister in Houston, Tx. My adjuster's name is Lorraine Porter and their phone number is 713-460-4650. Also, my truck was repaired at Helfman Ford, located on 59 South @ Airport. They've done a good job repairing the vehicle but with a few minor adjustments. I will say this...Don Curry with Helfman Ford WILL NOT help get anything fixed. He will not stand up for you against the insurance company and fight for what's right! My advice to everyone: stick with Allstate Insurance. They know how to take care of their customers.

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Posted by Anonymous on 2003-01-26:
I bought insurance from them and cancelled a week later. They are really stupid!
Posted by mwwillits on 2003-01-26:
Liberty Mutual is not customer service oriented!
Posted by paynem on 2004-03-30:
Notice to Liberty Mutual "customers." After being a longstanding, "customer," I received notice that we lost our preferred customer status. When I made an inquiry, it was because a claim for hail damage to my house, (and 90% of the homes in my neighborhood) made me a greater liability to Liberty Mutual. Compared to other companies, the offered repairs were substandard, as well as the choice of contractors. Check elsewhere, and protect your assets.and related
Posted by nermil on 2004-12-01:
I have Lib. Mut. now and they are no better or worse then any of the rip off insurance companies. They all stink! Allstate is horrible and ripped me off when my car was taken and crashed, and Lib. is bad about changing payment amounts.
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cancelled after 37 years
Posted by Cobbler on 08/07/2005
MINNESOTA -- My policy with Liberty Mutual was 37 years old. I was cancelled because I had two thefts two years apart. Their total outlay for these was less than $1200. I naively thought that having the most coverage I could get was a good idea and since I was paying extra for that coverage, I should file a claim when my stuff was stolen.

I had to take out an assigned-risk policy (managed by the state) which cost a fortune.

I have since changed my insurance strategy to taking out policies with the highest deductible I can possibly absorb and absorbing it when my belongings are stolen.

In researching this I find that insurance companies have an inside track to state regulators and can pretty much dictate the terms they will operate under. I believe now that most insurance fraud is perpetrated by insurance companies.

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Posted by mblackhurst on 2008-05-15:
We just bought an older home (1920's) with some branch circuits using knob and tube wiring. We were referred to Liberty Mutual through our real estate agent's concierge service. Note they called us; we did not seek them out. I filled out an application over the phone during which 1) we were never asked if we had knob and tube wiring and 2) I explicitly told them we had older wiring in the house and we intended to get portions of it replaced. When I received the written application in the mail, it suggested that we DID NOT have knob and tube wiring. I tried calling them twice before closing to determine the implications for this discrepancy. I was told someone from underwriting would call me back. I heard nothing until 4 weeks AFTER closing when they told me I would have to replace EVERY INCH of knob and tube wiring in the house or they would drop me.

It was an absolutely AWFUL experience. I suspect that 1) Liberty Mutual did not really want to recognize the knob and tube wiring so that, in event of a claim, they could be absolved of responsibilities and 2) they want an absolutely risk free situation (which is impossible) so they have no obligations to cover claims. I talked with an insurance lawyer who suggested these kinds of practices are not uncommon.

I would highly discourage any proud home owner from insuring their home with Liberty Mutual.
Posted by Anonymous on 2008-05-15:
Knob and tube (also called tube and post) wiring is very dangerous. Nearly every insurer will decline a home with this nearly 100 year-old wiring. "Older" wiring can be Romex which is much better than tube and post. Underwriters want to insure property at the lowest risk to the insurer. This is reasonable, since they will be paying the bill if the house burns. That the OP had two losses in two years is not, in itself, reason for a company to drop an insured. However, if multiple losses are 'mysterious' or 'questionable' (neither implies wrongdoing by the policyholder), a company may drop an insured because it is statistically likely that the insured will have another claim (usually larger) within two years. Once claims for small items exceed 50% of the total policy cost, underwriters look more carefully at an insured at renewal time. It stinks...but it is the nature of the beast. Good luck.
Posted by kb01 on 2008-09-15:
The exact same thing happened to us. When shopping for our insurance, I told the Liberty Mutual agent we had older wiring but had a newer breaker box (200 amp service) and the house had been partially rewired. I also told him that in all likelihood, there was still some knob-and-tube in the ceilings for the light fixtures (from experience, ceiling rewiring can be a nightmare). The only way to guarantee 100% that no knob-and-tube is present (LM doesn't distinguish between active and inactive wiring) in an old house would be to remove every single inch of lathe and plaster. I was told that my wiring wouldn't be a problem and I signed up for Liberty Mutual and forwarded all the info to my bank for the escrow.

Two weeks later, I got my actual policy and it stated "No" to a question asking if knob-and-tube was present in the home. Of course, this caused all kinds of problems and really screwed with our closing schedule. LM didn't care if I had a letter from a licensed electrician saying the wiring was safe (he even called the local office), unless we could unequivocally say without a doubt no K-and-T is present, they wouldn't insure us.

I understand that all insurance have their own arbitrary policies and after my discussion with 5 electricians, I've come to the conclusion that the fear of K-and-T wiring is pretty overstated. I just wish Liberty Mutual would have simply told me all of this upfront so I could have found an insurance carrier earlier on.
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Never to use Liberty Mutual Insurance Again
Posted by Bogart on 08/19/2009
DOVER, NEW HAMPSHIRE -- On April 11, 2009, our car was hit by an elderly man who fled the scene and returned later; he and his insurance company (Wawanesa) took full responsibility for the accident and we relied on Liberty Mutual to represent us in good faith to make certain our car was restored. Originally I found out that the other insurance company was in Canada and only had two satellite offices in California and therefore I decided to involve Liberty Mutual for better representation. Also, we have a customized policy with Liberty Mutual for this vehicle which would ensure that the car would be restored if it were ever damaged.

At the time of the accident, there were witnesses including a store manager that helped us. I
was parked in a grocery store parking lot. Witnesses were all very surprised at the way my car was hit and the velocity with which it had been hit. They described that the elderly
gentleman’s Cadillac accelerated backwards and had crossed several parking spaces and then across the aisle. He hit my car with enough force to lift the back end of my car up onto the trunk of his Cadillac and then pushed my car into a curb and up onto a berm that separated the parking lots. There was damage to my rear bumper, front bumper, driver’s side door, and the driver’s side rear tail light. The man fled the scene hitting another car in the process. A witness who followed him down the street and into a dead-end stated that the man later accelerated at the same rate of speed toward his vehicle and almost slammed into his vehicle. This is when the driver decided to return to the scene of the accident where police
were waiting for him.

As a result of the accident, since mid-April I have been speaking with "Team Six" in the Auto
Claims Department in Sacramento. I have been treated in a manor that falls far short of Liberty Mutual’s Mission Statement including being challenged, insulted, spoken to in very sarcastic tones, and overall have never been treated so poorly in this manner by any company ever. My conversations have been documented; as I went up through the network of claims representatives the attitude was blatantly in violation of the
principles your company stands on.

A) Liberty’s principle of Integrity: “First, we behave with integrity. People build their lives on
our promises and trust us to keep our promises.”

I own a customized 1991 Mustang GT and have carried an extended policy on it for an
additional $9000.00 for the better part of five years. I was hit by a driver whose insurance
company has admitted full responsibility. Claims didn’t have my police report for a long period
of time and were challenging me on the damage that was incurred. At one point in speaking
with Claims I was told that Liberty would replace both the rear and front bumpers; later it was
rescinded and they stated only the back bumper would be replaced. Later the supervisor(s)
stated that the way the accident occurred couldn’t have possibly happened, that the damage that occurred could never have happened and yet they never even spoke to witnesses.

The last straw was last week. On May 14, 2009, our mechanic was contacted by a Liberty
Mutual adjustor who was coming to see the car on May 15, 2009 between 2:00 and 2:30 P.M. This was the second time an adjustor was coming to see the car and my wife and I thought that perhaps Liberty was finally going to resolve the concerns we had and we took time away from our schedule to meet him. We were there at 2:00 P.M. and he never
showed up. By 4:30 P.M. I left a message for Managment in Claims to find out where the adjustor
was (I never heard back from them). At the same time, the mechanic found the phone number to
the adjustor and left him a message that they we were all waiting. Having received the
mechanic’s message the adjustor called back at about 5:00 P.M. and said that the Claims
Department had cancelled the appointment and told him not to come. We waited three hours. No notification, no explanation, nothing.

B) Your principle of Dignity and Respect: “Second, we treat people with dignity and respect.
Only by treating our customers, and each over, well, can we build strong, long-lasting

Employees of Liberty Mutual (outside of Claims) who I have spoken to including Account
Representatives, Account Supervisors, and the Corporate Office have ALL been appalled at the way we are being treated and said contacting you is the only recourse before filing legal action. This includes the Account Supervisor from Liberty Mutual in Thousand Oaks who has been completely shocked, dismayed and even angered at the unprofessional treatment I have
received from the Auto Claims Division. When I was contacted today by the main supervisor from Auto Claims he essentially stated that he sided with the Claims Representatives in that nothing else will be done with my car – it’s essentially at a stalemate. Dignity and respect are reserved for all customers as well as to employees of your company. I believe there needs to be an investigation into how customers are treated by this particular Division within your company as they do not ascribe to the principles and values of providing any type of quality customer service, let alone have an attitude that unfortunately continued to worsen as I spoke to supervisors within the department.

C) Liberty’s Principle of Superior Products and Services: “Third, we aspire to provide
consistently superior products and services…”

My car was hit by someone whose insurance company assumes full responsibility. In addition, I have paid for additional insurance coverage through Liberty Mutual for this vehicle in case of an accident. Why would Liberty Mutual’s Claims Department want to provide second-hand products to replace my rear bumper and taillight (as described by the representatives)? We are not cashing the Liberty Mutual check sent to us as my car has more
damage than the first adjustor found and because the Claims Division has essentially sent the
message that the claim in done despite rescinding their promise to also replace the front
In conclusion, I do not believe we have not been unreasonable in the request for replacement. A fair resolution to this problem as mentioned in a report that I am sending to the CA State Department of Insurance is the following: Have the front and rear bumpers replaced with new parts; The driver’s side door aligned to the body of the car (due to the impact); The two rear tail lights replaced with new parts; The car fully repainted to match.

This was sent to the CEO of Liberty Mutual. As of this writing I will be looking for other insurance else ware. The car will be fixed, but will be mismatched in paint color. Liberty Mutual has been nothing but a bad company to be associated with in regards to this accident.

I would avoid them if you can.
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Posted by Anonymous on 2009-08-19:
Why isn't the other company paying for the damage?
Posted by MSCANTBEWRONG on 2009-08-19:
Good question justthe faxx...I don't understand why the other insurance company isn't picking up the tab...
Posted by bogart on 2009-08-22:
hmmmmm sounds like you two are Liberty Mutual thieves to me
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Insurance company rear ended me
Posted by LLawdensky on 05/22/2005
PHOENIX, ARIZONA -- I am insured by Liberty Mutual.
On 5/3 I was involved in an accident where the other driver ran the red light while I was making a left turn on a green arrow. She stated she was looking down while dialing on her cell phone. She admitted this to me, the police and the insurance company who also happens to be Liberty Mutual. But Liberty Mutual says that I am partially to blame, I should have stopped at the green light to make sure no one would run it. Because I knew there was an oncoming car I should not have assumed it would stop at the red light.
They say I must accept partial responsibility for the accident and should have to pay 15% of the claim for my vehicle if I am to claim under the other driver’s policy. If I claim under my policy, I would be responsible for my deducible of $500 and not entitled to a car rental (I do not have car rental on my policy). I feel they are looking for any way not to have to pay the full amount of the claim (save money).
The police report clearly states that there was “no improper action” by me. That the other driver had “disregarded traffic signal” and “inattention”. It also states the “…driver of vehicle #1, she was pushing buttons on her cell phone and ran the red light.” But this does not matter to Liberty Mutual, I am 15 to 25% responsible and they are being generous with settling on 15%.
I spoke with 3 claim adjusters and was given the run around for several days, I left message that were not returned, even to a supervisor. Each adjuster had a different reason of why I was partially at fault.
Liberty mutual is using the comparative negligence statute to say I am at fault. They told me that I would be at fault for any accident since I was behind the wheel of my car. They do not allow an appeal process and said if I was unhappy with the decision to file a lawsuit.
I have tentatively agreed to Liberty Mutual paying for 85% of the repairs just to get my car worked on. I am at stay at home mother with 3 children I drive back and forth to school. I volunteer with the schools and animal rescue, I can not be without a car. I had rented a car, but could not afford it so now I am borrowing a car.
All I want to know, is this how the insurance companies work or am I getting rear ended?

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Posted by lal667 on 2006-05-01:
Arizona law states that "any accident occuring during a left turn is that drivers fault". Grow up!! I dont't like that law either...but that is Az.law.
Posted by Rose327 on 2009-03-01:
Read your policy. Familiarize yourself with the law in your state. You did take the drivers test. Making a left in certain states makes you at fault. Comp Negligience is the law in certain states.

Insurance Companies use the law of the state, driving rules, point of impact on both cars, the fact of loss, statements and police report to determine liability. Liability meaning who is at fault.

All in all don't make a left turn. Don't go into traffic when you are waved in. You do not have the right way.

If you make a u-turn and you get hit by the car who was traveling in that lane. You are at fault. You don't have the right of way.

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Serious Work Comp Injury & They've Done Everything Possible to Obstruct Benefits
Posted by Injured_Worker_that_Doesnt_Matter on 10/01/2009
I was injured severely at work in the Spring of 2009. The affects of the injuries suffered are largely debilitating. Shortly afterward, I began to be shuffled between claims people, weekly wage payments were delayed, child support was withheld from checks but not forwarded to state collection agency, delays and refusals to approve disgnostic tests, assigned a QRC (independent - right!) who pressured doctor to refer me to a Occ. Med doctor - who shocked everyone who was treating me by telling me "there's nothing wrong with you, get off your butt, take antidepressants, and go back to work!" They demanded I see only one doctor to manage my care - but who, I'd already seen 5 at that point. So I had to go outside them all and get a 2nd opinion or go back to work. I found the doctors in my "network" that would take a contrary position to the diagnosis of the Occ. Med doctor. But I did, and not only got a 2nd opinion that prevented me from having to go back to work, but obtained an order for an MRI - a tool he was surprised hadn't been used to detect the root of my problem. And after delaying authorization for almost 4 weeks, I had that MRI, and it documented spinal and nerve damage due to trauma. 4 months into my injury, I went from being regarded as a malingerer to having a bonafide injury/impairment. Do you think things would change with Liberty Mutual? Sure, they bumped me to yet another claims rep, and the whole cycle of delay, deny, harass, withhold payments and treatments started all over again. I got an attorney. That didn't seem to matter, if anything, they just ramped up the resistence more. I got a new QRC, one recomened by my attorney. They began to harass her, telling her that my employer had "light duty" work for me, and that she was required to make me aware that I HAD to accept light duty if I were able to perform those tasks. Once again, the fact I can't walk, sit or stand for more than 15-20 minutes at a time, that I take powerful narcotic meds for pain, and a slew of other muscle relaxers, anit-spasmotics, anti-emetic (nausea),wear an electronic device to mitigate pain, and can't even drive - not to mention physical therapy every other day, just how could I work doing anything. Several weeks ago, I began to receive a lot of mail from various clinics, doctors, speicalists, and medical imaging firms - including the urgent care clinic I went to immediately after suffering injury at work. The letters were affidavits they had filed with the Dept of Labor & Industry, Work Comp Div declaring that Liberty Mutual HAD not paid them, and that they were registering their claims for services rendered AFTER Liberty Mutual had "approved them. All except the urgent care clinic - who's paperwork stated that the employers insurance company (Liberty Mutual) had refused payment for services rendered on that day because "visit to the clinic had not been pre-approved by the insurance company." Silly me, I guess I should have known I was going to nearly be killed that day, and gotten pre-aproval! One of the providers is sitting on bills totallying more than $5K, and a letter I received advised me that they "cannot" provide any additional services until my insurance carrier pays or I pay. Several of these providers have tried to bill my medical insurance company - BCBS. Of course they've refused also, because NONE of these services were provided with their authorization, and they learned later that it was, in fact, a work comp injury.

I am now looking at surgical intervention - 6 months after the date of injury, and my recovery time and rehab (if the surgery works) will put me out for another 3-6 months.

Its hard to look at Liberty Mutual's TV commercials, which portray it as a company that cares and does the "right thing" by pulling people back as they're about to walk off a curb and get hit by a bus - whe they've done just about everything possible to throw me uder one!

I recommend that if you experience any difficulty with Liberty Mutual, or their subsidiaries such as Indiana Insurance, that you (1) retain an attorney & (2) get a different QRC (3) make a report to the Insurance comissioner of your state, and the Dept of Labor & Industry.
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Posted by Disaster Worker on 2009-10-01:
How were you injured at work and what type of injuries did you sustain?

I know I tend to be skeptical on most workers' comp injuries as over the years (when I owned a large business) too many people tried to claim injuries on a previous, non-work related condition thinking I was an easy way to get their medical treatment paid for. However, since moving into pre-hospital medicine, I've seen 3 legit injuries.

Hope all comes out well for you.
Posted by Injured_Worker_that_Doesnt_Matter on 2009-10-05:
I am in complete agreement with you "Disaster Worker"- and my experience with a number of people I've known in my life has tended to make me feel as if many of them were exaggerating their injuries or conditions and milking the system. And I beieved that, until something happened to me! I personally can't imagine how anyone who wasn't injured could survive the gauntlet they set down for you. The fact is, I think the systematic program of insurance companies to deny, delay, and harass people making lcaims is now predicated on the underlying assumption that you are a liar and a malingerer - and they continue to do so, if for no other reason than to save them money, even after a MRI proves otherwise.
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Homeowners Claim From Town Shade Tree Uprooting And Falling On Our Home
Posted by on 12/30/2008

On June 10, 2008,a storm swept through our town and destroyed our home. We contacted Liberty Mutual hours later. Your adjustor, came to assess the damages a few days later. He sent the insurance contractor to come and do an assessment of damages. Damages were to much for the insurance contractor to make an assessment by therefore, asked for a structural engineer to come in. Engineers came in for Liberty Mutual. The report was written up leaving a lot of damages out. At our request, we asked that the engineer come back with our builder to point out more damages that were not in the report. The structural engineer for Liberty Mutual came back the second time, and said that he stands by his original report. This forced us to hire a public adjuster, Liberty Mutual's adjusters stood by engineering report and wanted us to go through arbitration at this time, which we refused due to the fact that our contractor felt the damages were far beyond what the adjuster had originally claimed. Based on the engineering report, the insurance contractor had to write up an estimate for repairs based on their engineering report. We had to at this time we were compelled to hire our own engineer due to the fact that we were beginning to sense we were being treated unfairly.

Our Engineering associates came in to assess the damages at our expense and wrote up an engineering report enumerating damages that were totally silent in Liberty Mutual's report. This report was submitted to Liberty Mutual through our Public Adjustor. After 6 months from the date of initial claim, Liberty's adjusters acknowledge by stating that they will be sending a different engineering firm to assess that there was more damage than originally recorded in their original engineer report. We are now going into the 7th month of this claim.

We ask for your assistance to get this claim adjudicated and settled as soon as possible. We would expect that Liberty Mutual would live up to its obligations as promised in their insurance contract and that is, to settle this claim as expeditiously and as fairly as possible. It is getting to the point where we feel that Liberty Mutual and their claims department is not honoring their obligations under the contract and is not settling in good faith. Please if you insure with LIBERTY MUTUAL cancel your HOMEOWNERS POLICY NOW BEFORE IT HAPPENS TO YOUR FAMILY.

To whom it may concern, Below is another attempt to deal with your adjustor ,Since this claim was opened on 6/10/09 Your adjustor has done everything possible not to settle this claim in good faith and to make me and my family suffer and fight to settle a claim which is your responsibility to settle in good faith .It started with an engineering report from Atlantic that I had proven through hiring my own engineering firm that there was so much more damage to our home and when we were waiting for Mr. M---e to do the right thing and give us an offer that was just and fair, to find out yesterday that He was up to his old tricks again and in His spiteful ways offered a mere fraction of what we are entitled to. We gave the proof you needed to settle this claim through our very professional engineering report not like the one Atlantic did for Liberty Mutual why can't this be settled fairly?

Dear Mr.M---e,

Liberty Mutual Insurance Company is continuing with the investigation into the reported tree damage sustained at our residence, which is insured under policy number H32----------- with effective dates of 10/15/2007 through 10/15/2008. This letter was prepared to inform you why the claim has not yet settled.Although you state that our Public adjustor never returns your calls,

and your doing everything possible to settle this claim,The way I see it is that Liberty Mutual stood by Atlantic Engineering Structural Report I received dated 6/27/08.which left out a lot of damage not in the report and I had to at this time hire Metro PA services and Retain my own Engineering firm and furnish

my own report dated 10/17/08 showing all the damage to the residence including pictures and architectural drawings
We are now into our 8th month on this claim of which 4 months were wasted on a engineering report that was not a fair and true, evaluation of the damages even with Atlantic coming to look at the residence twice. I am asking for at this time is for Liberty Mutual to get this claim settled and own up to their RESPONSIBILITY thru the policy and settle in good faith.

More to come I will keep all posted until we reach a fair outcome.
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Posted by Anonymous on 2008-12-30:
This would probably be a good issue to take up with the NJ Insurance Commissioner's office. I'm sure they have omsbudmen who can help you take on LM.
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Liberty Mutual is Inhumane
Posted by Ellarya on 08/12/2009
Liberty Mutual will immediately deny your claim or put you off and you will be in litigation so long that you will lose everything by the time your case is heard in court. When your life cannot seem to get any worse, they will swoop in when you're desparate and offer you a tiny fraction of what you've lost. I think they hope that you will die before your claim is resolved. I have been in litigation for 7.5 years already. I've gone without proper medical treatment, which has delayed recovery, and since I have been unable to work, I've lost my home, two cars and so much more. I'm down to 100 lbs because I have to choose between medical treatment and food. Now, they've come up with some ridiculously low settlement that doesn't even include lost wages. If I accepted it, I wouldn't even be able to pay off the debt accummulated as a result of being unemployable. This company is truly evil and now it could be a long time before it goes into arbitration in Illinois.

If you have to deal with them make sure you get the best possible attorney because they will hire the best of the best. Also, they won't hesitate to spend $20,000 or more on a medical expert who will find in their favor. What doctor wouldn't if he will make $20k in a couple days of work? All he has to do is find that you suffered an injury 20+ years ago and he can say that is the current cause of your condition. They will spend whatever it takes to keep from paying out to the insured, which seems counter-productive to me. They'll spend more on attorneys and experts than they would pay for a claim or settlement.

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Posted by goduke on 2009-08-12:
I take it that a doctor said something that happened 20 years ago is the actual cause of the injury. Workman's Comp is such an ugly area of the law. There's been some fraud, so now every carrier is convinced that every claim is fraudulent and proceeds from that assumption. The employer is left out of the decision making process about whether the claim is denied or granted, which can cause friction between the employee and the company.

Good luck. Hope it works out for you.
Posted by Anonymous on 2009-08-12:
Sleazy insurance company. They're all the same.
Posted by screwed in federal court on 2010-12-17:
sorry about your situation, liberty mutual screwed me over also, i might suggest to write a formal complaint to your states ins commision and also file a complaint with your states medical society about the doctor liberty paid for, make sure to have copies of all the med recs you can get and submit with both complaints..good luck
Posted by jamie on 2013-07-30:
i have a similar experience, i truly hope some of these adjustors suffer.
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Posted by Billykid on 11/14/2009
After working for 7 years I became disabled due to know fault of my own. I started to recive short term disability and transitioned into long term disability, both provided by Liberty Mutual. For 7 months I waited to get a copy of my policy. The claims manager called and harassed me twice a month requesting a return to work date. The claims manager constantly threatened to suspend my benifits for the smallest thing. My doctor described their presistent request and questioning as pure harassment. The claims manager tried to exclude me from process and worked individually with my doctors, as if he knew what was best for me. This claim manager even tricked my doctor into filling out a form without my knowlege consenting for me to return to work, with a major injury. When I asked the doctor why did he make such of an decision, he stated he was tired of them bothering him, and he filled it out in haste. This company tried to minimize my injuries and enganged in decpetive methods, which were pure trickry to exlude me from the policy. I've learned a lot through my situation. I've learned that we have rights, and don't desreved for a cliams manager to speak to you in an improper way. My claims manager yelled at me at times when I was too ill to communicate over the phone. I am still fighting back, and making the preperations in case they cut me off. I am still fusturated with their attempts to analyize my words, hoping to catch me in a lie, and too establish an inconsistancy. This company is hell. They make billions of dollars a year screwing people

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Workman's Comp Denial
Posted by Deville on 03/12/2009
WISCONSIN -- I got injured on the job last June. It was reported immediately as I could hardly walk, but I finished my duties for the day and reported to a Dr. the following day as there was no way I could do my job. Pain at 10. Fast forward, it turned out to be two separate tears in the meniscus in my knee. Surgery was required. Liberty Mutual (LM) paid under workman's comp. and covered all my medical expenses and physical therapy plus lost wages. To a point. Eight months and the representative from WM decided she wanted an IME (Independent Medical Examination) hired by them, (starting to smell a rat?) to examine me and give them a 2nd opinion. I reported for the IME which I spent all of ten minutes with. He submitted his report to LM and stated that he said that any pain I felt the day of the injury was a mere manifestation of a pre-existing condition and that my torn meniscus, two of them was NOT relative to work and therefore I should be denied any further care or compensation. It's all well documented from my treating Dr./Surgeon that in no way could tears occur unless there was specific trauma. Well, LM adhered to the rat's report and I was cut off. Now I am going through hoops to collect disability, a $500/wk cut from WC and my doctor put me on permanent restrictions preventing me from returning to my job. Had to file for a hearing with the Workforce Development people of my state, to challenge WorkComp, ie, LM and that hearing could take 4-6 months. I do not like to think that I could lose my house over this but LM is ruthless and could give a sh*t less.

Bottom line, I hope I'll come out of this all right as my union representative assured me that appellate judges do NOT like to hear UPS and WM mentioned in the same sentence. Just hope I can hold on till the hearing. Thanks Liberty Mutual.
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Posted by spiderman2 on 2009-03-12:
IMEs are very common in workers' compensation cases. Unfortunately, many of them occur as you stated. You need to get a lawyer that specializes in workers' compensation to help you out with this. Your union should be able to refer you to someone.
Posted by madconsumer on 2009-03-12:
after 8 months, wasn't it healed after the surgery?
Posted by Nohandle on 2009-03-12:
I'm a bit confused here sir. Are you stating you have received full payment on your medical expenses and lost wages for eight months and now are cut off?
Posted by Anonymous on 2009-03-13:
I question the 8 months also. Professional athletes have this injury commonly and are back playing the same season. Workman's Comp isn't a lifetime disability payment, it's intended to tide you over while you are recuperating. I am guessing that after 8 months they think you are able to return to work. If you aren't able, it should be a Long Term Disability claim.
Posted by deville on 2009-03-13:
Thanks for all comments. Spiderman, I have a lawyer on standby. Madconsumer, the knee is at end of healing according to Drs. Nohandle: Yes, they paid for everything till they got the IME report. KenPopcorn: I am not an athlete. Rather a 56 yo UPS driver. My knee had arthritis in it which was NOT a problem until the injury. After the surgery, the problem has accelerated and it's my Dr.'s opinion that if I were to return to my regular duties as a driver, I wouldn't last because of pain and would definitely cause me to be a candidate for a knee replacement.
Posted by Ellarya on 2009-08-12:
Liberty Mutual received my claim when they purchased another insurance company (Wausau) and I've been in litigation for 7.5 years because all claims have been denied. Prior to my injury I had a long outstanding work history with no history of unemployment. They hired the best attorneys and an expensive IME who claimed that I am not working because of a childhood trauma that occurred when I was 7 years old - 35 years ago, even though it never had an effect on my employability until my injury at work in the year 2000. An IME is paid a lot of money so there is a lot of incentive to find in favor of whoever hires them for services.
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Workers Comp
Posted by Puretexan on 06/28/2005
HOUSTON, TEXAS -- I was hurt on the job I'm no better today than I was the day I got hurt,But they said I'm at my max to return to work,I've been a health person for 15 years not beeing sick, and when I hurt my back it seemed everything was going wrong, I went 7 months without a WC check,Kim Ruse was the thorn sucking the blood from that,I have 2 kids and a wife to take care of lost my car and everything I own because of Liberty Mutual,No the DR's think I congestive heart failer,and a DB
Hell I feel I'm going to die soon,I'll have to leave behid my 3 year old son and my 19 month old girl,because I have no insurance,I have no job I can't work, or even walk for 10 minutes without falling,my legs go to sleep my back hurts so bad I would have shot myself by now if it were not for my kids,
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Posted by tander on 2005-06-28:
Have you tried applying for social security benefits, now that your health has changed, you also sound a little depressed, go see a doctor.
Posted by dino on 2005-06-28:
contact social security asap they can help but they are as slow as hell
Posted by swineunlimited on 2008-07-15:
look my husband almost died and liberty mutual could care less we got a lawyer were suing, more needs to do this cause liberty mutual works on you not knowing the rules and regulations
Posted by barrett on 2010-06-25:
your not a lone trust god ask for his help I broke my back @ neck @crushed all bones in my foot I hurt 24hrs a day Iknow it hard u need help dont givein fight back
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