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Liberty Mutual Insurance Co - Page 2

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37 Reviews & Complaints

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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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Serious Injury From Fall On Stacked Carpeting At Carson Dept. Store.
Posted by Tomnjeannie on 07/08/2013
BOSTON, MASSACHUSETTS -- I suffered a serious fall on double stacked carpeting on May 4, 2013 in Carson's Department Store in Livonia, Michigan. It took many calls to the store's manager and Liberty Mutual Insurance Company over the next month before one girl did a recorded interview. As a result of the fall I could not stand, bend my knees, or work because of the constant pain.

I was asked if I had anything to drink before shopping! No, I do not drink! My low heeled shoe caught the edge of their double stacked carpet that almost threw my head into a weighted dress rack. If that had occurred, I would be a vegetable today. Instead, my shoulder, hands, and both knees hit the carpet so hard, I had rug burns and bruising all over.

After waiting another month to hear from Liberty Mutual, I was informed that Liberty Mutual would not pay for my X-Rays or any other medical bills because the carpet was not high enough! Tell that to my bruised and battered 67 year old body!. I'm on a fixed income and the fall was not my fault. Liberty Mutual has even been sued by the Attorney General!!!
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Posted by BobInTheBoonies on 2013-07-08:
Contact a lawyer immediately. The lawyer's fees should be paid by Liberty insurance company. As an individual you cannot fight the giant insurance companies but with a lawyer these insurance companies sit up and take notice.
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Denied Std Claim Disabilty Supported by Two Drs.
Posted by Waynegrosser001 on 06/06/2013
WALFORD, CONNECTICUT -- Went on disability leave on 5/2/2013.Liberty said they faxed my Drs. for info, lie!
After obtaining medical records on my own, at considerable expense, my Dr. told them in my claim report that I was unable to perform any work duties indefinitely.

After waiting 6 weeks for Liberty to respond, they stated my Dr. did not show evidence of inability to work!?! I think the fact that he said I was unable to function in any work capacity, any reasonable person would think that statement covered it all. Liberty denied my claim. I have most likely lost my job, bills are overdue, and I pay for this insurance, weekly ou of my check!

Liberty is fraudulent and I advise everyone to avoid Liberty completely for your own good. They are thieves, liars, and show no compassion in all aspects. I am filling suit and believe I will prevail. PLEASE DO NOT PUT YOURSELF IN THIS SPOT. AVOID LIBERTY MUTUAL!!!!
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Posted by spiderman2 on 2013-06-07:
Did your doctor say why you are unable to work or just that you are unable to work? The details may be very important here.
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Really Disappointed and Let Down
Posted by Bsene361 on 01/06/2012
BOSTON, MASSACHUSETTS -- I have sang praises of this company. I felt there was great integrity there. However, I've only had one speeeding ticket ever since 1984.
While doing business at the county courthouse I backed into a car the size of the out of date Yugo as a fender bender breaking the unoccupied vehicle's right headlight. Little did I know as I prepared to leave my info. for the owner there was a deputy who saw the whole thing & I didn't know it. He said because of your honesty, I'm not going to ticket you, but call your insurance I'll stay here until it's complete and I did, was told by insurance representative I would have accident forgiveness. When policy renewed it skyrocketed by 1,000.00 more yearly. Never missed a payment which is automatic deducted from my account. Found out you have to be with them 3 yrs for forgiveness and this will remain in effect until I'm 61. Very Upset Never even told me in the renewal papers had to call 1-800# to find out reason for big increase. Was told that it should have been explained to me in more detail, plus I am on permanently disability. Looking for new Insurance. Very hurt & feel cheated, really trusted Liberty Mutual, had greatest respect & even referred family & friends.
So long Liberty Mutual.

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Posted by onlooker on 2012-01-08:
get back to your agent on this and discuss clearly what happened, what you were not told etc. If your referrals went to that same agent - you might get some response.
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Long term disability
Posted by Painsworthepps271 on 05/26/2011
In 2009 I became ill and was unable to work. I had seen doctors and been hospitalized several times before they found that I had an infection in the disc and vertebra in my neck, by the time they realized what was wrong I was paralyzed from my neck down. I then had two surgeries and had to have rehabilitation to learn to walk, dress, feed myself ex ct. I was disabled by SS in 2010. The company I worked for had long term disability with Liberty Mutual. they paid me for 6 months and then sent a letter saying they believed I could return to work. My doctor wrote them a letter stating I was unable to work at any job. I appealed their decision and they denied me again. They said that their doctors reviewed my case and determined I could return to a sitting job even though my doctor said I could not return to work. I am still in a lot of pain and am unable to sit more than 30 min at a time. My company said I could not return to work without a release from my doctor and they are dropping their relationship with Liberty Mutual Ins Co. because of how they are treating their employees.
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Posted by Alain on 2011-05-28:
You're going to need an attorney to fight Liberty Mutual on this. Get one as soon as possible.
Posted by Ugagirl on 2012-06-01:
This Company is clearly a profit business. They have no empathy when it comes to their insureds. Once you hit that two year mark on a Long Term Disability Claim, they then begin compiling all the SURVELLIANCE VIDEO and P.I. notes as well as bombarding your physicians with countless phone calls to try and turn them against their own patients. My physican stated that this company is one of the worse out there. They try to bring in clips of survelliance on patients and then try to get the doctor to change his disagnosis. This is an invasion of privacy. They claim, "we saw her with a grocery bag", but didn't bother to see that it was toliet paper she was carrying. They seen her driver her vehicle, but fail to realize that not everyone is wheelchair bound with a breathing tube and a straw that you blow in to move you around. They state "she socialized once". They have no idea of what the conversation or the person they were speaking to. These people are worse than thugs. They take your money and when you have a legitimate claim, it's like they sick the starving dogs on you to finish you off so they can stop paying you. I would not recommend this company if it were the last company on earth and I can only hope that legislation will eventually step up put a these rabie infested animals out of business. They make Enron look like a cake walk. BEWARE... DO NOT USE LIBERTY MUTUAL FOR ANYTHING. Any positive comments have got to be Liberty Employess or family members. The statistics on this company are overwhelming on their denial rate and their bullish techniques.
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DROPPED by Liberty Mutual Homeowners - many Florida customers
Posted by Karma Time on 04/30/2011
TAMPA, FLORIDA -- May 1, 2011 : Receive a letter today from Liberty Mutual Florida stating that we are being DROPPED - our home owners insurance policy has been cancelled - as of our forthcoming renewal date of Nov 2011.

I've been with Liberty Mutual of Florida for 15 years; from my first townhome, then converted to an apartment/fire policy, then converted to a homeowners policy .. now that I have a wife and 2 young children to protect in this regard.

In all of the 15 years, I have not once submitted a claim. I have, however, dealt with their oftentimes very significant increases in policy premiums; especially over the last 5 years.

What an absolute shame and disgrace, Liberty Mutual. The letter offers their "apology for any inconvenience". Inconvenience? What an understatement. You F**KED us, Liberty Mutual, plain and simple.
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Posted by tnchuck100 on 2011-04-30:
Crystal ball is working well: Today is April 30.

It is not uncommon for insurance companies to do this. 15 years with no claims? The insurance company sees this as you are statistically due for claim. State Farm did the same thing to my father-in-law years ago.
Posted by madconsumer on 2011-05-01:
this is a great review.

very helpful.
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See you in Court!
Posted by Living.live on 01/11/2011
Contract showing I owed nothing
Contract showing I owed nothing
P, ARIZONA -- I'm taking Liberty Mutual to court for there fraudulent billing. When I closed my account "Because they almost tripled my insurance cost" They made up a fraudulent bill for money I didn't owe, as well as sending that fraudulent bill to a collection agency. I went to The BBB, The Surgeon General and several other web sites, there fraudulent billing turned into fraudulent replies to Government Agencies. The only way to get them to stop this regular practice is to take them to Court and sue them for all you can. Read your Contract, It says if you commit insurance fraud they can charge you a penalty of $15,000.00. Local courts are far from that much, so go for the max! It cost you up front but you get that back when you win, Plus damages, especially if they sent it to a collection agency. You may think you don't know who to sue, Any name on any of there documents will work. All you have to do is go to your local court and file. I have found your not going to get anywhere till you stand in front of the judge with your evidence in hand, Otherwise all they have to say is "they didn't do it". If we make it cost them this way they will stop commiting the frauds in the first place. LET'S ALL STAND TOGETHER !!!!
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Posted by Kurizumaru on 2011-01-11:
Did you mean the Attorney General instead of the Surgeon General?
Posted by MJGoldfarb on 2011-01-11:
Just curious - what does the Surgeon General have to do with this?

OOPS - someone else beat me to it!!
Posted by PepperElf on 2011-01-11:
Good point. The Surgeon General usually does things like tell you to stop smoking.

Posted by spiderman2 on 2011-01-11:
You would need to file a complaint with the Insurance Commissioner in your state. The BBB really has no power and I don't know what the surgeon general has to do with this complaint. Without the details (what kind of insurance, how did they overcharge you, what was the chain of events, etc.) this complaint just sounds like rantings from an angry person.
Posted by saj80 on 2011-01-11:
spiderman, an angry person who owes the money.
Posted by PepperElf on 2011-01-12:
Yeah the BBB is pretty much the same as M3C or PFB just bigger and with some stickers they'll let your business put up.

Though there's been some scandal about the BBB selling good ratings. Some group in California created a fake company called "Hamas" (yes named after the terrorist faction) and paid the BBB... They received an A-minus rating.

So really the BBB won't do much if the company doesn't care. And the Surgeon General will just tell you stop smoking.
Posted by living.live on 2011-07-05:
I went to court, I stated my case, The Judge put me on the witness stand, I was badgered by Liberty Mutuals Aturney about what was on a paper that I could not see from the stand, I stated my case again, the Judge left without saying a word. That was all. Not even a verdict. After calling and complaining about not recieving the verdict they say it got lost in the mail, 25 days later they hand delivered the verdict to my mail box - Judgement in favor of Liberty Mutual. I only had 3 days to file my appeal after the Judgement.The Magistrate said they don't record prociedings, so bring your own so the same thing wont happen to you. They were never questioned and never had to answer to any of my evidence, a legaly binding contract as well as letters from them proving there fraud every step of the way. What is it going to take to get justice?
Posted by living.live on 2011-07-05:
To see the legal documents go to livinglive.tripod.com
Posted by PepperElf on 2011-07-05:
Ahhhh that's why this person left me a note on my blog.

As for viewing the documents, no thank you. Besides if the judge didn't take your side there's not much else you can do about it I guess. They're not obliged to agree with you.
Posted by living.live on 2011-07-06:
A Legaly Binding contract has to considered in court. They say my contract was for $488 and the contract says $400. They say I owed $79 for past due and the contract shows a credit of $19. As far as I am concerned that is proof beond any doubt.
Posted by spiderman2 on 2011-07-06:
Pepper, you really need to go read them, it explains a LOT about this and our friend Wanda. Wanda, you redacted almost all of your identifying information, but you should probably go back and redact the rest. No one is going to donate to your legal fund over having to pay $23 for your car insurance.
Posted by living.live on 2011-07-09:
Liberty Mutual did more then over charge me. They sent a fraudulent bill to collections to deliberately damage my credit. Especially now days your credit is very important and Liberty mutual attack mine. It is the only mark on my credit. I have to win this to clear my credit. On there contract it says they can charge you up to $15,000 for fraud. I think they should be held to there own standards and be charged at least half. They not only sent fraudulent information to consumer agencies threw USPS but used that fraudulent information in a court of law. There is probably more then 10 fraudulent statements on there letter and I have proof of every single one. I would be happy with just getting my credit cleared, the money can go to my towns Christmas light funds, if that's what it takes. What matters me the most is them not getting away with this.
Posted by living.live on 2011-07-28:
It has now been over a year since I started this fight and I still don't have a date for the Appeal. Since I have put this in the local paper a few times, I am hoping this Judge wont ignore the contract evidence.
Posted by living.live on 2011-09-21:
Justice for all? They win?

What do you think?


I closed my account with Liberty Mutual and they billed me for an extra month, even sent me an updated contract to confuse me, as well as anyone I speak to about this.

Then sent a fraudulent bill to my bank account that caused an over draft of $33, and Liberty Mutual charged me $25 for retrieving the money they fraudulently took from me and sent a fraudulent bill to a collection agency for a different amount then they fraudulently took.

This fraudulent bill put a black mark on my spotless clean credit record. Just like my driving record, not even a parking ticket.

The updated policy shows $19 credit.

Liberty Mutual took $46 from my bank account for past due "before the 19$ credit balance",

putting me over drawn by $5 + $33 overdraft charge.

Liberty Mutual then sent a fraudulent bill of ____ to a collection agency.

Though still not rightfully there's, That amount wouldn't have put me over drawn

I didn't think they should get away with these illegal practice,

It happened to me so many times when I was young.

So: I went to Magistrate Court, The Judge walked out of the court room without trying my case and with Liberty Mutual never having to answer to the contract I have in my possession. About 3 weeks later I had a verdict letter in favor of the Defendants delivered to my front porch.

My evidence "A legally binding contract"

There evidence "They didn't do anything wrong"

I filed an appeal and that went just as bad.

The Judge dismissed the case because the Defendants were not properly notified, Though they were there at the time to state this fact. The Judge told me to get an attorney.

Later I received a bill for ____ from the courts.

This is after the $150 for the Magistrate and $130 for the appeal.

Yet NO ONE has entertained the contract I have in evidence.

Now how could I possible owe the courts more money?

I thought the money paid to the courts was for court cost and defendant notification, Like the Magistrate Court.

And now why is the courts billing me for more money?

I paid for the case and it was dismissed without trial.

I have tried to talk to attorneys, but they all say it's not worth the fight, I can't get any help.

In my opinion they committed fraud and deliberately attack my credit score without cause.

Why should the amount make any difference.

Is it OK to over charge people and commit "what I think is" a fraudulent attack on there credit,

due to there lack of ability to fight it?

I feel they deliberately do this sort of thing to there lower customers,

They know we don't have the time or money to fight it.

There right

It cost me allot and they won.

I thought Small Claims was so the general public could get justice too.

It has been well over a year.

Cost me about $300 in court fee's.

Still no one compared the contract with what they are saying now.

They win against there own contract.

Contract Balance $19 credit

Liberty Mutual says $23 past due

Contract premium $400

Liberty mutual says $488

How much more clear can it get.

Yet they win!
Posted by Anonymous on 2011-09-21:
Justice for all?
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Rip off company
Posted by Oysterman on 12/10/2010
I have tried to receive money due to me-$1500.00 from a claim by their insured-100% at fault and they still have not paid. I send them information requested and they say they never received it or when they do they interperit their way-terrible customer service-I was warned at the beginning of the claim that they were the worst in the industry and they sure are.

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Posted by Anonymous on 2010-12-10:
Have you considered sending the information by fax or certified mail?
Posted by tnchuck100 on 2010-12-10:
If you have strong documentation you should send them a letter stating they can send the $1500.00 by a certain date OR be prepared to go to court and pay the $1500.00 + interest + attorney fees + court costs.

I was in this situation one time and this worked for me.

As ript points out - use certified mail/return receipt requested.
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Denied claim when their insured is clearly at fault
Posted by Ulbhpy on 11/25/2010
IRVING, TEXAS -- My daughter (not yet 18) was returning from a birthday dinner with her classmates on a Friday night October 29, 2010 (dark & after 8pm) and proceeded to make a tight right turn at intersection (Alma & Hedgcoxe bordering Plano and Allen, TX) while light was green to her. She had to and was turning slowly when the light turned yellow & her car got hit on driver side by a truck making left turn (He had "yield on green to make left sign" with no protected left arrow). My daughter's car driver fender got pushed in, driver mirror knocked loose and driver door could not be opened. Driver side light cracked and bumper cracked and came loose by the hit to fender. The truck had damage to passenger side. There was no apparent injuries and other driver apparently called 911 but 911 apparently did not send any help. My daughter knew that she had right of way and did not call us or insist on getting cops come and make a report. She had passengers who witnessed the truck come and hit them. She exchanged insurance info with the truck driver who claimed she turned wide. Being inexperienced and in-shock she did not ask for truck driver's license info and get truck license plate number. Just when she was about to leave the scene (10 to 20 minutes past collision), a woman arrived at the scene and was seen chatting friendly with the truck driver. My daughter came out through passenger door and asked who she was. The woman said she is a witness & placed blame on my daughter and scribbled her name and phone number.

When my daughter came home, we were shocked and went to the scene to understand what had occurred. We went to Allen police who had jurisdiction and were told that they would have come if dispatch had been informed. They asked us to file an accident report with state and deal with insurance companies. We called Liberty Mutual (insurer of other driver) and made a claim same night. Our daughter had back pain and we called Liberty Mutual next day to inform this and that she will see her doctor. My daughter's doctor said pain is muscle spasm from accident and would subside and it did. A claim representative from Liberty Mutual told me to take the car to their body shop (Caliber in Plano) to get pictures of damage taken. I told him vehicle driver door cannot be opened, but he said it would take many days for them to send someone to take pictures. I drove it to their body shop by entering from passenger side and had pictures taken by Caliber. This was Monday after accident. In the meantime Liberty Mutual transferred our claim to a different representative because of the injury report. We tried calling the witness who had scribbled her name and left voice messages. We also called our insurance (Amica) and reported the incident. The insurance said the passengers in our daughter's car are not considered witnesses!!!

The new representative from Liberty Mutual told me that their insured had stopped to make left turn and light turned red and turned left to clear the intersection at which point my daughter hit him. I reiterated that my daughter had green light and was turning when truck hit her car. I also questioned since when it was legal to turn left after light had turned red. The lady just hung up. I informed to both insurance companies that we felt witness is suspected acquaintance of other driver. I called again on Thursday (6 days after accident) to find out status of our claim. She said their insured had not yet taken the truck for pictures and I questioned why it was taking so long when we took our car with driver door stuck day after. Rep said their driver needed time. I told her I will seek a lawyer. I called again on Tuesday (11 days after accident) and got a message that representative was in training until Friday. I spoke with another representative and manager's voicemail requesting expedient handling. On Thursday (13 days after accident) Liberty mutual claims representative called and told me that our daughter had turned wide and hit their insured after he had cleared the intersection, they had a witness to this effect and are basing on pictures taken of damage and they were denying our claim. When I tried to argue, she got upset & said I had not scene the damage to their insured truck and she has seen pictures. I told her we will appeal. She said she will send a letter which we got on following Wednesday (19 days after accident). I decided to take pictures of our car's damage and started repairs from a mobile body shop.

The letter provided claim rep's email to provide additional info and I emailed to both insurance companies many times. First and most important my daughter had right of way. Second no witness could assert wide turn as no lane markers were there for few hundred feet at the collision point especially at night. (I have pictures & video taken during daylight that show no lanes can be seen). Third damage to side our car indicates my daughter's car front did not directly hit the truck side as said by Liberty Mutual. Our insurance Amica told us that they cannot help us with our claim to Liberty mutual as we did not have collision coverage from Amica (car was 6 years old with 132000 miles), but they have claim from truck driver. Amica asked us to get passenger in my daughter's car to call and the passenger called twice and left message. My daughter & passengers involved attend high school. Amica is concerned that if they deny other driver claim there may be a small claims suit. I feel my daughter has no fault and Amica should refuse to pay other drivers claim. Let us see what happens.

We (self, daughter, wife, passengers in car at the time of accident) are shocked at how Liberty Mutual and their insured have denied liability for the collision. We consulted several lawyers who said unless we had more injury they cannot help us on a contingency basis. Liberty Mutual has not responded to our emails questioning their decision and providing info that disputes it.

THIS IS GROSS INJUSTICE. In our 3 decades of driving we never denied admitting fault when we were at fault for any accident and we never had problems with insurance when other driver was at fault, until this one. Liberty Mutual and their insured is taking advantage of situation (no police report, a friendly witness that appeared very late on scene & who has not returned our calls, misinterpretation of pictures to their advantage) when their insured clearly failed to yield right of way and caused the collision. There should be no fault for a driver turning right with green light. We wish the same treatment happens to these fraudulent insurance companies and claims personnel where they get hit when turning on right at green light by someone who ran red light while turning left and they are held at fault by their insurance investigators.

We will sue Liberty Mutual in Collin County Small Claims court for repair costs (quote obtained from Caliber), doctors fees, loss of use of car, pain & suffering.
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Posted by Venice09 on 2010-11-25:
I did not finish reading this but would like to point out that you were not there to witness the accident and are only going on your daughter's description of what happened. That's not to say your daughter is wrong, just that there are two sides to the incident. I'm glad your daughter wasn't seriously hurt, and I hope you get this resolved quickly.
Posted by leet60 on 2010-11-26:
I did not notice from your post if you have done so, but you may want to contact your insurer and ask if they can deal with the other insurance company directly. Many insurers will do this.

If the incident occurred as posted and you cannot afford a lawyer you may want to file in small claims court up to the limit allowed in your state. At the least you will be able to require the witness the other party used be sworn and questioned under oath - this often makes a big difference in an account of an accident as the witness would not want to risk perjury if they are being untruthful.

Posted by werelucky on 2010-11-26:
Just look in the phone book and you will find a boatload of lawyers who do auto accidents.
Posted by olie on 2010-11-27:
Your daughter should not have relied on the other driver to call 911. Better to have 2 or more calls, than none. I suspect the other driver just claimed to have called.

A police report would have definitely made it easier for your insurer to take your side.

I mean your daughter's side.

And, in regard to your question about when it's legal to turn left on red--I do it when I'm sitting in the middle of the intersection. I'm already out there. It's a lot safer for everyone if I get out of the way of cross traffic. It may not be totally legal, but it's not like there are many options.
Posted by Venice09 on 2010-11-27:
I don't enter an intersection if I know I can't make the turn. I wait at the light. I know it probably annoys the people behind me, but I feel safer that way. I've seen too many accidents at intersections .
Posted by Starlord on 2010-11-27:
Venice, you are unwittingly doing the right thing. Many people apparently don't understand that it is illegal to enter an intersection if you cannot clear it. Maybe the OPs daughter will have the presence of mind to call the police if she ever has another accident. I also suggest carrying a digital or disposable camera in your car. you can also obtain an accident report form from your local PD, usually. It is very helpful in organizing the information you need to protect yourself legally. I do hope the OPs daughter gets this resolved in her favor. A lot of things make no sense. I was not aware that Texas allowed left turns on red, right maybe, or if there is a one way street involved.
Posted by Venice09 on 2010-11-27:
Star, even though it's illegal, it's one of those things that the police tend to overlook. That's why everyone does it. But with a lot of major intersections having green left turn arrows, it's just as easy to wait until the turn can be made safely, especially when it's busy. I try to use good judgment. If I know I won't be able to turn, I just wait for the green arrow instead of blocking the intersection.
Posted by jktshff1 on 2010-11-27:
Hard lesson learned for the kid
Posted by olie on 2010-11-27:
Star, your suggestion of taking photos is a great one. I'll bet OP's teen daughter and her friends all have cell phones that can take photos.
Posted by no name on 2011-07-09:
I also has an accident with a insure driver with LM back in May, as of today, their driver hasn't made contact with them..I'm still waiting to hear what's going to happen
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Great service!Aut
Posted by Rosie O grady on 04/13/2010
I am so happy of the fast service I received from this insurance co. They came out to estimate my damage on a wed. By mon. I already had the check for the repairs. Very professional people working for this company. The company is Liberty Mutual.
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