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Bait And Switch Tactics
Posted by Sun City on 03/20/2010
Bogus (expired) rate quotes for advertised reduced rates. Quotes have already expired when quoted! Fraudulent and deceptive business practices.

Agents then "up-sell" and try to gain homeowners business prior to autos which premiums are not competitive.
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Posted by Ben There on 2010-03-20:
Where did you see the advertised price, and how long were they expired for?
Posted by Connoisseur on 2010-09-16:
BAIT and SWITCH???? did you say bait and switch??? I thought it was my imagination when Liberty Mutual did this to me, You just confiremd my suspicion I was right. When I first got them I was told certain things over the phone. I DID NOT RECORD IT!!! big mistake. When I got the "insurance package" I found things in there I did not need or ask for. But it was too late by then. NOW I RECORD THEM. This year is the last year I have them, I am ditching them they are disgusting predators. EVERY year they raise the premium which is IRRESPONSIBLE and PREDATORIAL considering the overall economic climate. They should be helping the consumer and the country....not draining them like bloodsucker.
Posted by Kim on 2012-12-18:
Insurance rates change. When you get a quote from ANY carrier the rate is subject to change unless you buy the policy at the time the quote is given. It's not bait and switch. I've had quotes from many different carriers and this is the same practice that pretty much all of them follow. Companies ask for rate changes from the department of insurance in each state. Sometimes they go down, sometimes they go up. If there's a rate revision pending and you wait to bind the policy it's going to affect your rate when you call back to purchase.
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Bad Faith in solving Lightening Incident
Posted by Fabl on 02/18/2010
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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Posted by BEJ on 2010-02-18:
More details would be helpful.
Posted by ulbhpy on 2010-11-26:
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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Easy fix
Posted by Joe138 on 02/05/2010
In November 2009, I hit a stopped car and totaled my 2003 Sienna minivan.
Liberty Mutual guided me through what I needed to do and quickly gave me
a fair settlement on the Sienna. My insurance premiums have not increased.
Based on my experience, I would recommend the Company to others.
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Deny Deny Deny
Posted by LAL from LI on 01/21/2010
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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Posted by Anonymous on 2010-01-21:
Thats why we need Obama in to change these damn healthcare rules.
Posted by Slimjim on 2010-01-21:
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.
Posted by barrett on 2010-06-25:
I believe what come around goes 10 times 10
Posted by Charles on 2011-07-11:
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 the 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.
Posted by melrn222 on 2012-05-16:
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 Kittypus on 10/01/2009
P.O. BOX 970 MISHAWAKA, INDIANA -- I had full coverage on a 2004 pickup truck I was with in 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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Posted by Anonymous on 2009-10-02:
Posted by MSCANTBEWRONG on 2009-10-02:
You may want to consider price shopping for your insurance needs...
Posted by laklisa on 2009-10-02:
I'm with Ken.
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Liberty Mutual Cancels Disability for 65 year old
Posted by Kenare on 08/03/2009
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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Posted by jktshff1 on 2009-08-03:
When did Liberty Mutual become a non-profit church agency?
Posted by Anonymous on 2009-08-03:
Think maybe the policy came through a non-profit church agency? Disability policies are usualy part of a group program.
Posted by spiderman2 on 2009-08-03:
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.
Posted by Eloise on 2009-08-03:
'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.
Posted by PepperElf on 2009-08-03:
"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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Posted by Majwild1 on 06/19/2009
I'm writing this review because something need to be done about these insurance company rip off artists. My son inlaw got hurt off the job and payed for short term disability, he injured his neck and shoulder, he sent in all the required paper work, medical records etc. after a month now LMI has denied his claim, first they said they didn't get his paper work thanks to fax confirmations shut that one down, he can never get ahold of his case worker from LMI, Now he see's a nerologist folr his injuries, now LMI seems to think a nurse has more authority than him. ( can't figure that one out ) so now I'm paying his bills for him so they can survive till this thing is over( is this not why you pay premiums?)
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Posted by spiderman2 on 2009-06-19:
You might want to talk to the insurance commissioner in your state. I can tell you that with a lot of disability policies, they are looking for someone else to be responsible. If there is any other insurance that could possibly be responsible, they are going to try to get out of paying. What kind of injury and how that injury occurred could be an important part of this equation. Good luck to you.
Posted by Anonymous on 2009-06-19:
That's supposed to be why you pay your premiums. That doesn't mean much anymore, they all deny claims.
Posted by HKong on 2009-06-19:
They deny claims hoping not to have to pay. They know a certain percentage of people will just go away if denied. Please fight this.
Posted by nascarbert on 2010-01-11:
I am going through the same exact thing with liberty mutual for std benefits, Please any advice helps
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Should Be Punished
Posted by Totally Disguisted on 04/29/2009
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 Bull man on 04/16/2009
I became disabled in 2005 due to 3 medical conditions that do not allow me to work. Liberty Mutual payed 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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With Liberty And Justice For All? With Liberty Northwest Theres No Justice At All!!
Posted by Wapiti on 01/14/2009
PORTLAND, OREGON -- I was seriously and permanently injured in a fall. Liberty northwest was my personal health insurance and Liberty Mutual was the responsible party. Terms in the settlement were that there is no responsible party. After I got the money Liberty northwest filed a lawsuit against me for compensation because a third party was found liable. Liberty northwest had an attorney that lied and said Liberty Mutual and Liberty Northwest had absolutely zero affiliation. When in fact they are the same company in itself. I was in California recuperating and they had me served publicly by posting in the Oregonian. How could I respond when I'm in a different state and have no idea I have been served. I lost by default and had a judgment against me for 10 years. Liberty Northwest was in a heated competition with SAIF for workers comp market. I threatened to go public with what they did and after 10 years of ignoring me, they, that day, paid their own judgment off. This company lies, cheats and steals from their own customers. I have many more factual incidents about this company.

If anyone is interested in filing a class action lawsuit against this company please let me know. REMEMBER, united we stand, divided we fall!
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Posted by saj80 on 2009-01-14:
Only people with an actual loss or disservice from Liberty can join your class action lawsuit. If your evidence is so strong, why not retain your own attorney and go after them?
Posted by keepwasafe on 2010-07-07:
How can I get in touch with you? We are fighting to keep Liberty Mutual out of Washington state and would love to use your story.
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