Liberty Mutual Insurance Co Auto Insurance

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Terrible Insurance Company
Posted by on
PO BOX 2721 NORCORSS, GEORGIA -- Even though I didn't have the displeasure of having Liberty Mutual as my insurance company, the individual that hit my wife head on was insured by Liberty Mutual..Their insured was charged with the accident, making a you turn in the middle of the road and hit my wife who had virtually stopped. They never called me, I had to instigate the claim..I was out of town and it had been 2 weeks with no contact from them...When I called them, they said they had not accepted responsibility for the accident, even though their insured was charged with the accident...They said they had to talk to a witness..They finally did after the car had been torn up for over 3 weeks...They sid they don't pay for time you are without your car...Just the time it is in the shop. They want to use cheap aftermarket or used parts..They didn't want to pay the storage bills on the car. Only paid $250 for diminished value on an Acura Rl that no previous car fax or paint work. Paid me for 15 days for the repair work...The car was in the shop being repaired for over 60 days...They refused to pay the difference even though they said they only paid for the time it was in the shop...My car was out of commission for over 6 months while I was hassling with them...You can't sue an insurance company when they won't cooperate...You have to sue the individual who caused the accident....Finding some of those guys isn't easy...I spent over $2,000 in legal fees and skip tracers trying to find the guy when I finally gave up..Remember all insurance companies aren't a body shop and ask who the dead beat insurance companies are..Most of the ones you see on TV advertising and are late comers in the game are the scam ones..Cheap isn't any good when you can't get a claim paid....I wouldn't have one but I am still stuck with them since the person that caused the wreck had them as his insurer...beware..
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clutzycook on 05/08/2011:
At any point in this episode, did you bring this problem to your insurance company? They should have stepped in and helped you out when LM started giving you static.
Kim on 12/18/2012:
It is your responsibility to contact the claims dept and file a claim, not the insurance company's job to contact you to file a claim.
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Posted by on
NAPERVILLE, ILLINOIS -- On Father's Day of this year (2006), I was involved in an automobile accident. There was substantial damage to my vehicle, and I was required by my insurance company to gain an estimate of damage at an authorized body shop. The shop recommended to me was Cars Collision in Valparaiso. Upon my arrival, I was convinced to leave my car with the shop for repair, though I protested and wanted the option to shop around. I was informed that if the shop did the estimate for the repair and I decided not to do business with them, that I would be charged $500.00. I felt that there was no other option and made my opinion known that I was unhappily agreeing to allow the shop to complete the work. After that point, most of the conversations I had were pleasant to some degree, as well as informative. I was told that the total estimated cost of repair would be $4900, including the repair of previous damage to the car that was necessary to repair before building upon. According to that amount, the car should have been totaled, as the required 70% of the total value of the vehicle was damaged. An estimate of the cars pre-accident worth was then reported to me as $10,000.00, which was surprising as the purchase price of the vehicle was $9995.00 in 2004 (which was an unfair price as the car had been involved in the previous accident mentioned above. This matter was successfully settled with the dealership from which was car was purchased.) Of course, I insisted that this figure was ridiculous. I was later informed that the estimated cost of repair for the vehicle was $3400.00, reduced from the original amount, taking away the possibility of totaling the car. Totaling the car would have been in my advantage due to gap insurance, but the shop and the insurance company (Liberty Mutual) would not have gained from the deductible or the repairs. I had no way to prove my doubts about the estimates, and I again agreed to move on with protest. My complaint is that Liberty Mutual behaved fraudulently and unethically in the handling of this matter.
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Anonymous on 07/25/2006:
Sounds like the shop and the insurance company work or know each other. This is common practice between insurance agents and Shop owners. They do act fraudulently and unethically because they can get away with it. The insurance companies know this goes on but as long as they come out ahead they don't care. I wish you the best of luck.
glc on 07/25/2006:
Humus: I'm guessing the $1000 is your deductible. Did you not realize that you would have to pay the deductible before picking up your car? Hopefully, if you were not negligible for this accident, Liberty Mutual will subrogate the adverse carrier, and eventually, your deductible will be reimbursed.
Hugh_Jorgen on 07/26/2006:
Any body shop that would charge $500 for a simple estimate would never get my business. That being said, the insurance compaines will work with the body shops to get the price down. It's possible they told the body shop "you have to fix this for $3400 instead of $4900 or we will have to total it". There is nothing wrong or unethical with this. The body shop got the business, you get your car back and the insurance company saved a few dollars.
spiderman2 on 07/26/2006:
Hugh, I completely agree. Had they told me the estimate would cost $500 I would have walked. What a scam. One thing I notice throughout this letter is that the writer is always being victimized by the original seller of the car, the body shop and the insurance company. There is a lesson here, if you think you are getting ripped off, don't just say okay!
humus88 on 07/26/2006:
any chance Hugh is an insurance salesman? Adjusting the price of a service to financially benefit the companies involved and put the customer at an unfair disadvantage is a scam. They estimated my car to be $10,000!!! It's a 2003 Toyota Echo with a previous accident! Even Kelly Blue Book doesn't list my car in excellent condition as being worth that much.

Also, I think that it is reasonable to assume that a large sum of money can be doled out over time. I do know that the deductible is what it is, and there is no negotiating it to a lesser sum, and I did not attempt to. I really felt backed into a corner by both companies, and my ignorance in the situation was really taken advantage of. As I have never been through an accident like this, I have never had the experience.

Also, when you find out that you're being victimized, it is best to be a thorn in the side of the antagonizer(s). I have gotten myself into position to get a new car for the price I owe on my old one as reimbursement for the unfair price of the car when it was sold to me. Kudos to Toyota, but it never would have happened without a lot of phone calls and a little complaining.
Hugh_Jorgen on 07/27/2006:
Not an insurance salesman, but I have friends that own body shops and that's just how it works sometimes. If business is slow, they will take less money for a repair job just to keep the shop busy. I'm glad you got what you feel is a satisfactory outcome, but the main job of the adjuster is to settle every claim as cheaply as possible. You may not like it when you are filing a claim, but you appreciate it when you are paying your insurance bill. To use terms like SCAM is just inflamatory.
Pro Se Consumer Advocate on 04/29/2007:
Hugh has commented "that's just how it works sometimes"..a very open-ended comment..and not sure why you would comment something like that...not very helpful at all...I'm happy for you friends who own body shops...but sad for Humus88...
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Posted by on
Dishonest. Untrustworthy. Alters your information without consulting you to increase your premium. I had 4 people on my auto policy with Mutual Liberty, then removed my daughter because she grew up and bought her own car. When she was in my policy as a minor driver her portion was roughly 750. Won't expect the premium drop by roughly that amount after she is removed? Nope. Mutual Liberty reduced my premium by a mere 40 dollars per year. When I called them, they said well, since your daughter left, your son’s good student discount was no longer applied (what does my daughter’s being in policy or not have anything to do with my son?????). Then they started asking a bunch of questions such as how much do you drive, does your vehicle have ABS, etc etc as if I was getting a new quote. Finally they did reduce my premium by an amount similar (although still a couple of hundred dollars less) than what I expected. When I asked them why after this conversation my premium went down, they said well that has to do with a lot of factors such as you being a good driver, low daily mileage, your son being a resident student, etc. FUNNY! All those information was already in my account, and my former premium was based on that. Suddenly because my daughter left information about myself, my wife and my son all changed???? That is, it does not change unless someone altered it without talking to me! Want to find dishonest people? Go to Mutual Liberty. It’s very easy to find a bunch there!
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Disaster Worker on 06/27/2010:
Sounds like Liberty Mutual did a good job of finding ways to reduce your insurance bill.
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Horrible Company
Posted by on
In February I hydroplaned on the 405. Basically, I started in the left lane and ended up on the right shoulder, after spinning around countless times and seeing headlights coming towards me. My car finally stopped when another driver rear ended me, causing $14000 in damages to my car. I called Liberty Mutual to report the claim, mind you this was at 5 am and I was completely in shock. They took this as my official statement. A week later, they called (first time I heard from them since the accident)and informed me that I was at fault, which is ridiculous b/c the other guy rear ended me instead of swerving around me like all the other cars on the freeway. They then never checked up on the repairs to my car, leaving me to deal with the body shop (another hellish process). All in all, they took what was already one of the worst experiences of my life and made it 110% worse with their ineptitude and horrible customer service. None of their representatives talk to each other, in fact I still don't even know how much I was at fault for the accident b/c I kept getting different reports from different people! They really do not care at all about the customer and I cannot believe that a company so poorly run is still in business. They just cancelled my insurance but frankley my only regret is that I didn't drop them before they dropped me.
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Eloise on 07/28/2009:
'I still don't even know how much I was at fault for the accident'
You hydroplaned over how many lanes of traffic, creating a potentially deadldy scenario and you want to blame the driver of the other car? Are you crazy? You cut off the other driver with your incredibly inept drving ability and s/he's to blame? The insurance decides who is at fault based on police reports. Obviously the police found you at fault. Where is your responsibility in this matter?

For your insurance to drop you so quickly you must have a number of moving violations.
Anonymous on 07/28/2009:
Eloise, you said it all here.
Anonymous on 07/28/2009:
I couldn't have put it more succinctly, Eloise
Eloise on 07/28/2009:
Thanks! I'm blushing!
Anonymous on 07/28/2009:
Yep, BA Eloise.
Anonymous on 07/28/2009:
Yay Eloise! Your answer is green now!
madconsumer on 07/28/2009:
you go girl!!
spiderman2 on 07/28/2009:
Go Eloise!! -- I haven't even read past the first paragraph of this complaint and was scratching my head wondering how it is another driver's responsibility to not hit someone who is driving recklessly which causes them to spin around the highway "countless" times. That just floored me. May this be a lesson to the OP, slow down when it is raining and you won't get yourself in this position again. You should be grateful you weren't killed or didn't kill someone in this incident.
jktshff1 on 07/28/2009:
PepperElf on 07/28/2009:
that and I was just on the 405 - the one in canada right? - and I know how fast people usually drive it.

as my brother in law put it... "Don't be surprised if you're doing 70mph on the road and people are flying past you."

and he was right. I swear half of the drivers were doing 80+

(side note, the typical speed on the 405 is 100kph which is about 62 mph... and the drivers doing 80+ were doing about 128Kph+)
Eloise on 07/28/2009:
There is also a '405' in California. Usually Califorian's refer to their freeways as 'the' such as 'the' 405, 'the' 203. Plus morons are always on the 405.
PepperElf on 07/29/2009:
so are the drivers on the cally 405 also crazy speeders?

got a feeling ... it might be part of the issue
Eloise on 07/29/2009:
Yes, Southern California is full of crazy drivers!
Ghost of former member on 08/01/2009:
How can you possibly think that it's not your fault that it happened? You were obviously going too fast.

Good luck finding other insurance. You'll need it!
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Screwing their Client -- unbelievable!
Posted by on
ATLANTA, GEORGIA -- Liberty Mutual's insured pulled out in front of me to make his left turn, after he ran a stop sign. We both had damages. He apologized. He got a ticket and he has paid it. Even still, his insurance company, Liberty Mutual, offered me only 75% of my damages, leaving me to pay about $1000. I refused and filed a claim through my insurance company who is proceeding with arbitration, intent on collecting all damages, including my deductible. I will sue for anything outstanding. Since I am not Liberty Mutual's client, it is no surprise I'm not happy with their 75% offer, or that they have treated me rudely in the process.

But I don't understand why Liberty Mutual won't protect their client from a lawsuit over only $1000. I hope the guy who hit me fires them.
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GothicSmurf on 10/25/2007:
There seems to be more than what is stated. I'm not familiar with the specifics of auto insurance in Georgia

Where did you get your damage quote from? A dealership? A private party? Your insurance company? Their insurance company?

That makes a big difference. Also you can ask them where they came up with their amount and they can show you.

REMAIN CALM AND POLITE. If you get upset and start to yell, the adjuster is less likely to assist you in any manner. I'm not saying you did get upset or yell, but a gentle reminder.

Good luck.
playingnice on 11/01/2007:
LM did their own damage estimate, not that it matters. There is nothing else to the story, except for some details that would bore readers, and make LM look WORSE. I really am
'playing nice". LM refused to negotiate beyond their initial 75% offer. Unsatisfied with that offer, my car languished at the towing facility, racking up expenses. I was unable to move my claim up the LM seniority ladder and my demand letter was never answered. Ironically, I recently received a solicitation from LM for my insurance business. I ask: Who would want to pay for insurance that won't protect them? I know as fact, the guy who hit me is quite wealthy and I can only assume he has multiple policies with LM. I really want to talk to him,--- give him a heads-up. He's about to be screwed by his own insurance co.
playingnice on 12/15/2007:
UPDATE: My insurance company was awarded 100% of damages in arbitration and has refunded my deductible. I am now having to sue the Liberty Mutual client who was at-fault for damages I was not covered for through my own insurance policy. Beware, Liberty Mutual customers! This shows you how your insurance company fails to protect you! To keep from paying out such a piddly amount on a claim, they are apparently willing to leave you vulnerable. You better shop around!
RMC on 06/07/2008:
As you check other web postings you will find this is typical behavior for Liberty Mutual. Google Liberty Mutual and my3cents, scam, fraud, denied claim, etc. and you will find many examples of their work. Their corporate policy is to offer low rates to lure in new customers and then deny, deny, deny when it comes to making payments.
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