Liberty Mutual Insurance Co - Page 3

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Insurance company rear ended me
Posted by on
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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lal667 on 05/01/2006:
Arizona law states that "any accident occurring during a left turn is that drivers fault". Grow up!! I don't't like that law either...but that is
Rose327 on 03/01/2009:
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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Bad Faith in solving Lightening Incident
Posted by on
MASSACHUSETTS -- Since the incident, Liberty Mutual has shown bad faith. Despite the fact proven by weather condition, phone company and TV company who had to replaced their equipment due to the lightening, Liberty Mutual has shown me no good faith and tried everything to delay the payment.
Finally, after expert and 7 months they sent me a $3,464.47 check instead of
more than $55,000 in damaged.
I strongly advise to choose another homeowner insurance to anyone.
One of my friend has a similar experience with them so it looks like a pattern with this company.
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BEJ on 02/18/2010:
More details would be helpful.
ulbhpy on 11/26/2010:
Simply judging by reviews and our own third party claim experience this insurance company seems to practive bad faith. No other large mutual insurance company seems to have such bad reviews or badly deal with so many genuine claims. Plus they spend millions to advertise "Responsibility. What is your policy". They do not seem to practice what they preach. I recently got a very good home insurance quote letter from Safeco. When I saw that they are a Liberty Mutual company, I did not want to look at it.
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Deny Deny Deny
Posted by on
My Workers Comp Claim was taken over by Liberty Mutual, after the original Company, St. Paul's Ins went down.

First of all, I have not claimed weekly benefits, only medical care. I suffered an injury to my back and shoulders, after a fall on the job.

Liberty Mutual is denying me Medical Care. I have had 2 hearings in which the Judge has had to rule in my favor. In the meantime, I lose valuable time causing my condition to worsten and deteriorate. I now have a torn rotator cuff, as physical therapy has been denied, and I have to appeal, again.

My only consolation with Liberty Mutual, is that the same woman who consistently denies me care, will face the same Company that she works for, when her health needs are denied.

I don't how they can solicit my HO and Auto Insurance, knowing how they treat me medically!!!!

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Anonymous on 01/21/2010:
That's why we need Obama in to change these damn healthcare rules.
Slimjim on 01/21/2010:
Or maybe someone who knows what he's doing could change them so that they may benefit everyone instead of exempt states and special interest groups.
barrett on 06/25/2010:
I believe what come around goes 10 times 10
Charles on 07/11/2011:
I suffered an injury to my neck while working in Jan. 2009. It was not my first WC injury so when I was asked , way into the first phone interview, if I had had a workers comp claim before, I said yes. The adjuster's entire line of questioning changed as if he had just learned I had robbed the bank or something. I went 3 months before I even saw a doctor , other than the ones in the hospital after my injury. I spent 3 days in the hospital after my injury. SO, there was no way they could deny my claim, right, wrong! They admitted only that I had suffered neck strain, paid 6 months benefits and after I found out the doctor and RN case worker had lied and hidden results of my MRI I was dumped, refused medical treatment and my check was cut off. I had an attorney in ATL. Because I live in AL. and I worked under GA. WC law. They have stonewalled me my attorney and even bucked the WC court by saying they wanted to try to settle. They just stalled again. IF I had not had a Long Term disability policy at work I would be penny less now. I had 2 yrs LTD which allowed me to file and get my Social Security Disability going. They stall every time they can. Lie, loose medical records, refuse treatment and even after their MRI doctor agreed with the one My attorney demanded that have just refused to do anything for over 1 year. I have a hearing in Workers comp court in August so I hope Liberty Mutual will have to do what they should have done 2 years ago. Sad thing is that I am totally disabled now when I could have been treated for a ruptured disc and probably have gone back to work doing some type work if not driving trucks as I did before. Because of their neglect I can't walk over 150 yards without having to sit down. I can't sleep well, I am in constant pain and I can only drive IF I have to. Then only for less than an hour. Any longer and my neck gets too painful and stiff to drive.Because Liberty Mutual is such a cold hearted company I have suffered many troubles, the worst is that my wife, who didn't have to work while I was driving and making good money , has had to go to work so we can survive. IF a worker has an injury they should receive the best medical help, immediately and not have to be subjected to these tactics. If you check some sites on line you will see more about how terrible LM is toward claimants ,not just WC either. The CEO has said he will routinely turn down as many WC claims as possible and refuse to pay benefits unless he absolutely has to. That is the official stance of this man and the company as a policy. They should be put out of business. License taken away for the way they treat people.
My advise to any person who suffers an injury at work to IMMEDIATELY seek the help of an attorney and go for every dime the law allows. Document every thing. Every dime you spend. Every thing that happens or is said by the doctors. DO NOT GO TO ANY DOCTORS APPT. ALONE. Always have a family member of friend you trust with you, in the room at all times. ALWAYS get copies of any tests done on you. Get the reports and read them yourself. DO not tell the Nurse case worker they assign anything you don't have to. They will use anything you say as a lie against you. Watch this person too, because they will tell your doctor what the ins. co will or not do and micro manage you right to the grave. GET A LAWYER, the best Workers Comp attorney you can find. You are going to need one.You are entitled to benefits and medical treatment. You are also entitled to compensation for any impairment you suffer after you are 'well' too. If your injury changed your ability to do what you did before they have to pay you for it. Don't let them mess you put of your benefits. YOU are the one who will suffer several years ago when your health goes because of that injury. Make them pay for everything you are supposed to get. If you don't you loose.
melrn222 on 05/16/2012:
I ruptured my L5 disc back in February of this year. I was not being paid weekly like I was supposed to be and I had to get my HR manager involved. Then LM transferred my case from a male adjuster to a female out of Indy without informing me. She refuses to answer or return any phone calls even my employer or the casemanager she has going to my appts. She assigned case manager 4 days after we argued about how she changed pay to every 2 Weeks and I reported her to her manager for notanswering phone. Then once surgical consult ordered I had to get HR director to call another adjuster to approve.consult. Now it is 7 days after consult and still no surgery approval received. Waiting on wc.board of insurance to return my call.
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Sky increase
Posted by on
P.O. BOX 970 MISHAWAKA, INDIANA -- I had full coverage on a 2004 pickup truck I was within insurance for a few years after a few months I could not get the title for this truck so the insurance policy that I had was closed so when I got another truck the same kind I call them to put insurance on it and they told me the insurance on this truck would be $5,000 dollars and they needed all the money at one time so I said what about not giving me full coverage just a couple of dollars less they said I was shocked and hung the phone up
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Anonymous on 10/02/2009:
MSCANTBEWRONG on 10/02/2009:
You may want to consider price shopping for your insurance needs...
laklisa on 10/02/2009:
I'm with Ken.
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Liberty Mutual Cancels Disability for 65 year old
Posted by on
ST LOUIS, MISSOURI -- I had been on disability for 2 years (breast cancer survivor). I had effects from radiation and because I wouldn't sign an authorization to give them my tax records, credit history, they said I was un-cooperative and denied my benefits. They already had all the medical info they needed. They just wanted me to open up a check deposit account to transfer money and I saw no need to sign. These people are brutal. And now, this company is withholding my retirement. I'm old and sick and no one cares. I've written to my congressmen and congresswomen and all agencies. Nothing. If anyone else is going through this problematic situation with a non-profit church agency please get in touch.
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jktshff1 on 08/03/2009:
When did Liberty Mutual become a non-profit church agency?
Anonymous on 08/03/2009:
Think maybe the policy came through a non-profit church agency? Disability policies are usually part of a group program.
spiderman2 on 08/03/2009:
I'm sorry for your troubles, but it does sound like you are being uncooperative. No insurance company is just going to hand you money without you giving them the records they require. Obviously, they need more than your medical records.
Eloise on 08/03/2009:
'I saw no need to sign'
You are uncooprative! They told you what you needed to do, you refused to comply. A lot of people are old and sick but they also comply with VERY MINOR requests from their insurance carrier.
PepperElf on 08/03/2009:
"They just wanted me to open up a check deposit account to transfer money "

what's wrong with having an account for this money to be deposited into?
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Should Be Punished
Posted by on
MISSOURI -- Liberty Mutual is my husband\'s company workers comp carrier. My husband was at work on 3/18/09 and was hurt (2 witnesses). He went to the hospital, went to his own doctor and received a script that he was not to return to work until further evaluation. He went to the company's doctor and to this day, he has not received on workers comp check. My husband\'s company was very disrespectful to him, told him he was not getting paid for the time off because even with a doctor's note, they said he has to call in everyday and say he wasn't going to be there. So he started calling and than they told him they couldn't talk to him (his supervisor's) that he had to call the main office. We sent an email to the main office and received a very snotty reply stating that he did not have to call in or email, but still has not received a check. As soon as they told him he would not get paid for time off, he had to seek an attorney. So next month he should be going to court for back wages, attorney fees and court cost is what the attorney wants.

My husband had a referral from his doctor to see a pain management doctor and Liberty Mutual denied that. Liberty Mutual needs to read the workers comp laws because they are in big defiance with them and I hope workers comp sees this.
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Arbitrary Denial
Posted by on
I became disabled in 2005 due to 3 medical conditions that do not allow me to work. Liberty Mutual paid my benefits for approx. 1 yr while I applied for SSI. When my SSI was approved after appeal Liberty Mutual promptly denied my benefits. My conditions had only worsened but they said I was no longer disabled. The 5 different doctors I had seen all agreed and put that in records sent to Liberty Mutual. They initially said they did not receive them but when pressed by an attorney they found them but still denied my benefits. It has been a year and one half now and we have spent all of our savings lost 2 cars and owe doctors and hospitals thousands of dollars which are in collections. We are on the verge of losing our farm that we worked hard to build up and are behind on all utilities. I tell this only to let you know we have tried to keep it together all this time while our attorney appealed the decision. This was done on September 13, 2008. My understanding of the process is they would have 45 days to make a decision. December came and Liberty Mutual did not even respond to the appeal and when prodded by the attorney in February 2009 again said they had 45 days to decide. Today April 16 they decided and still deny my benefits.

The ERISA law may have valid applications but when a company has no fear of losing anything other than what they owe you with no penalties to them possible what deterrent do they have to just holding your money and earning interest or starving you out so you will throw up your hands and start living on the street.
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Difficulty Paying Bill Online
Posted by on
MARYLAND -- I went online to Liberty Mutual's website to register my new personal liability policy and pay the premium. I kept getting error messages so I called customer service. The rep verified it was a valid policy and didn't know why I couldn't register it. I asked for tech support. After being on hold a very long time she gave me phone number that she said was for tech support. It turned out to be an agent who wanted to sell me a policy.

On my own, I located the tech support number and was told that this type of policy cannot be paid online. Why didn't the rep know that? Also, they had the wrong amount for my homeowner's policy.

Of course, the amount on their web site was too high which they verified but never got around to correcting.
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Anonymous on 08/05/2008:
You got lucky. You are never well advised to give your bank information to anyone, much less a creditor. By doing so, you, in effect, give them open access to your account.
You are far better off to set up the payment on your own bank's bill pay service, so that you alone maintain control of how much, and when it is paid.
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Lack Of Customer Service
Posted by on
WEST LINN, OREGON -- I've carried Liberty Mutual Insurance for sixteen years; auto(I own three cars), Life Insurance, Umbrella Insurance, House Insurance.

One day, I called up to speak with the agent in the original Beaverton, Oregon office...only to be told he was not there...he had abruptly quick...about two months earlier, no one call me.

I then had a agent in the newer, larger Beaver, Oregon office, much further out, and one day called to speak to him, ...and was told...he had been promoted and was a supervisor in the Midwest...about two months earlier...

I then had a third agent, who worked out of the Beaverton office who I could almost Never get when I called...and you guessed it...He a office in West Linn, a tony neighborhood outside of Portland, Oregon...I spoke to him several times about connection and getting back to people...I spoke to the Portland area manager for 1.2 hours about the same thing...

Recently, I got a voice from the West Linn office I did not recognize, and the woman sounded like she was doing me a favor for talking to me.

Today, I got my usual update on my auto insurance and it did Not contain the upgrade in coverage on my house as promised by [snip].

If THIS is how Liberty Mutual acts for a large account, over sixteen years...WHAT in god's name would happen if I ever had to put in a claim?

Whether it is a insurance company or any other company, it is high time individuals "fight back"... You will note that not once has the author and film-maker Michael Moore ever been successfully sued for anything...

I am not interviewing other insurance companies who actually give a damn!
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Anonymous on 05/01/2008:
I think your beef is with the insurance agents and not Liberty Mutual. The main office only processes whatever is supplied by the agents. Have you spoken to the main office of Liberty Mutual or have you only been dealing with the insurance company through their agents? Have you registered with Liberty Mutual online and managed your own policy instead of using the agents?
swineunlimited on 07/15/2008:
you have got to be kidding, I did all that and now were suing liberty mutual we were sent to collections because they don't pay there bills............lololololo yea call the main number
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Boycott Liberty Mutual 2008
Posted by on
MASSACHUSETTS -- I was 16 a minor working to pay for arm deodorant and more. The company had a chemical burn, which many inhaled that night causing them to become sick, I was one but an employee, I went into seizures for five hours or more, after the accident was put on a weeks leave for depression and blackouts, as well as being tired always. Liberty had me going to their doctors, well in 96 health issues caused me to have to have my mothers insurance pay for exams, Liberty got these exams illegally, and hid the results of the true truth than what was known. Internal organ damage from every spec.

When I turned 18, the legal age doctors like to define someone with mental illness, I was defined schizophrenic, yet note, mental health of that type is a natural imbalance. Mine not natural, plus the fact the doctors said I made up the whole "accident" and was a delusional thought.

Liberty in the mean time got the assumption of waiving their rights and responsibility, I have spent several wrongful many nights in mental health hospital. Liberty left their responsibility to social security which is going "bankrupt" yet owe me nothing. Liberty mutual is the same as a child abuser, if not murderers. Boycott
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Principissa on 04/04/2008:
What the heck?! Are you off of your meds? Not taking them is dangerous, I think you need to call your doctor.
MSCANTBEWRONG on 04/04/2008:
I am completely baffled by this post...I agree with Princi...go back on your meds!
Anonymous on 04/04/2008:
Boycottlibertymutual, I am very sorry about what happened to you and what the other posters said on here as well too. It seems as though if it is not there problem then they can intemperate your words anyway they want too.

It sounds as though Liberty Mutual Insurance is doing to you what other companies are doing to other patients just so they can get out of paying for your health care. It is a sad thing that these companies get away with this kind of abuse and I do hope you can get some other help with that but all I can offer is a prayer, God bless you and keep you well.
Principissa on 04/04/2008:
Don't apologize for me. I said what I said because it is my opinion and I am entitled to it. Do not presume to speak for me, I am perfectly capable of speaking for myself. This person is suffering from mental illness. In my professional opinion it sounds as if this person is off of their meds. In which case they really need to speak with their doctor and get help. Once a schizophrenic stops taking medications they have both visual and auditory hallucinations, make up stories that only make sense to them, ramble incessantly, and could possibly harm themselves or worse, someone else. I suggested this person call their doctor because they obviously need to. I don't want to see them hurt them self.
Anonymous on 04/04/2008:
I did not apologize for you or anyone else for that matter now if that's what you think then that is not my problem because you can't seem to intemperate things the way they are meant. I think maybe you need to chill out and take some clam down med's yourself because you are sure jumping to conclusions a little fast there, chill out.

But now that you have said, "In my professional opinion" Just what is your profession, do you have a PHD or are you a Doctor who deals in mental illness? Just asking
Anonymous on 04/04/2008:
ah, here's our dear friend stirring up trouble and harassing members again. Addy, seriously, why does this person have 4 stars when he exhibits this behavior daily, as well as his poor spelling "ability."
Anonymous on 04/04/2008:
People! have a bit of compassion, maybe boycottlibertymutual is on meds due to all of this? I am far from an expert on such matters but boycottlibertymutual seems very upset and maybe confused? Does anyone have any idea who boycottlibertymutual might contact about this?

Pirate, stop being a dork and trying to stir up trouble. Hands down you are the best we have at that.
Anonymous on 04/04/2008:
Thank you Super, that's all I was trying to do is show the guy a little compassion and let him/her know that someone heard what him/her was saying.

And as usual here come Pirate to try to start trouble even at the expense of someone that might be asking for a hand.
Anonymous on 04/04/2008:
Pretty myopic point of view there, but that's not unexpected. It's pretty clear to regulars and newbies alike that you are the root of trouble around here, and king of user harassment. Don't be getting too used to those stars.
Principissa on 04/04/2008:
super, she really needs to call her doctor. If she does not have a doctor, she needs to call a hospital equipped with a psychiatric floor so that she can get help. If her insurance cannot or will not pay, she should have contact the insurance commission and file a formal complaint. In the mean time she should go to the state medical cabinet and get help. If she goes to a hospital with a psych floor, they cannot turn her away by law. They are legally required to hold her for 48 hours so that she can get her meds. If she was wrongfully committed she needs to go to the state medical cabinet and report all involved.
Lidman-stop speaking to me. If you continue it will be construed as harassment. I don't believe I need to detail my credentials to the likes of you.
DebtorBasher on 04/04/2008:
I agree with Princi...they can not turn her away. And BTW was OSHA involved to find out what caused this accident?
Anonymous on 04/04/2008:
Super, surf's up! Time to wallow in the waves!
Anonymous on 04/04/2008:
Why thank you Pirate! I am going to Blackies this weekend, the weather and surf should be great. Nice of you to remember me.

Steve, your invited!
Anonymous on 04/04/2008:
Please use the community section for personal info and stick to the topic when commenting on reviews.

Thank you.
old fart on 04/04/2008:
Lids... the word is "interpret", not "intemperate"... Just thought you'd like to know..
Anonymous on 04/04/2008:
Thanks old fart but my work is done here by making this poor person's plea for help an issue instead of the name calling that it started out to be.

Although in closing I will say to the rest I don’t take well to threats never have and never will that is a childish little statement to be making and I am not one you want to cross.
Anonymous on 04/04/2008:
Clam, shut up! We can and will post whatever we want around here. Now go dust off your PHD.
Anonymous on 04/04/2008:
Well said, Lidman! Dear friend 'old fart' is it "anal retentive" or is it "anal-retentive"? Does it matter. Unfortunately, a few of our commentators feel compelled to make light of a poster's situation in order to feel better about their own, miserable lives. Remember folks, the boy kills the frog in jest...but the frog dies in earnest. showed true compassion.
Anonymous on 04/04/2008:
old fart on 04/04/2008:
Doc... I was just 'funnin" Lids..he's a big boy... He can take it...
Principissa on 04/04/2008:
Ghost, I don't know you very well, but I believe I was more than helpful with the suggestions I laid out for this person. The only way she can fight against the insurance company is to file a formal complaint with the insurance commission in their home state. If she gets turned away for treatment, seeing as how she has a documented illness, and can prove it, the hospital cannot turn her away. Even if they are not capable of caring for her, by law they have to transport her some place that can. All she has to do is tell the ER, I'm schizophrenic and I'm off my meds, and I am going to hurt myself, she will be taken care of.
Anonymous on 04/04/2008:
O-Fart...I assumed as much. That's why I tossed out the frog bit. I prefer not to assume someone can 'take it'. I get weary of those (you are not among them) who cut the erasers off of all of their pencils because 'they' are perfect and make 100% perfect consumer decisions. All best Old Fart...I have to paint with the same brush daily.
Anonymous on 04/04/2008:
Princi---I understand. But, many commentators here make such remarks as 'cute' or 'demeaning' to the poster. Remember folks, no matter what we think...the person at the other end of the keyboard is a human being. I meant no offense to Principissa. Just be a little gentle...we don't know what battles the 'other guy' may be fighting.
Principissa on 04/04/2008:
I'm sorry, Ghost. :)
Anonymous on 04/04/2008:
DocJ, I wish I could put things into words like you. * Tears *
Ponie on 04/05/2008:
Hoo Boy!! For all we know, this post was done by some teenager with too much time on his/her hands. It could be someone who frequents WebMD and did a good job of picking/choosing what 'symptoms' to write about. If there truly was a chemical fire and the person was employed there at the time, plus being hospitalized, no insurance company could say the employee was making it up. Hmmm-internal organ damage causes schizophrenia? Since I'm no expert--I'll leave that up to those who are. :)
boycottlibertymutual on 04/07/2008:
thank you all for your comments. not directing the to responses that do seem wild, I didn't mean to bring such meenness out of everyone, and yes I am a bad speller! I fight everyday for individual who do have tru mental illness. schizophrinia is not what the media has lead it to be. my suggestion to all is read a good medical book. internal organs damage, also includes the brain, for it too is and organ. I got to see my insides, as they probed by throat, seeing what I seen, I understood why I could be mental. this will be thirteen years of fighting for my right. that is more than getting liberty, none of you I'm sure have ever spent time in a "mental health" word/unit/floor. these doctor tell their patient that they are mentaly ill, and it can never be cured, weather, schizo, bi polar, or other diagnoses, the doctors then put patients on drugs and tell their patient that they will have to take these drugs for the rest of their life. learn something here, doctors get prescription pharmisutical keep backs in the mental health. they get 100 persons on a (we'll be cheap here) $1 kick back drug, well they made a $100 dollars for the day and $200 dollars for every month after for the rest of their patients living life or until the doctor dies himself. well if you could control your income like that... don't be ignoriant of someone reaching out to tell the the truth, and the truth is people with mental health pray every day for a true phd doctor. remember doctors have been busted after years of abusing their patient drugs. a doctor from Kansas city, was caught deluting patients chemo terapy drug, many patients died, before he got caught. wake up, what illness do you know that they don't strive to cure???? yet doctors in mental health "no cure" plus I wish to state the insurance company didn't state the accident didn't happen, the mental health doctors stated it. thank you all for your comments again, believe in the cure
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