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Liberty Mutual Insurance Co Informative - Liberty Mutual Insurance over the top prices - Car/Home Insurance
Car/Home Insurance
BOSTON, MASSACHUSETTS -- Wow, this company is one big rip off. For the past XXX amount of years this company ALWAYs raised my premium. I called the NY State Insurance Agency to complain, I was told it was legitimate because for the past THREE years Liberty Mutual asked for 5% raise and the NYS POLITICIANS!!!(Liberty is a donor) approved the request.
I called Liberty Mutual and requested a DECREASE. I was given the shell game answer, "Raise your deductible, and we will lower your premium."
I told them why don't they just stay with the economic climate of "no jobs or those to be had have, no living wages" and adjust the rates accordingly. "We cannot do that."
Liberty Mutual has FOUR major "Philanthropies" that THEY donate to.!!!
So, I said to the meely mouth kid, "Why don't you put me on your philanthropy list and lower my rates?" I am dead serious.
I am barely able to afford heat....I am losing my home to HIGH TAXES(I can pay my mortgage the taxes are the drain)............I qualify for philanthropy.
"Those philanthropies are for poor children."
"Oh, so you raise my premium so that you can AFFORD to give to charities to feed kids, that I did not make? I have no heat in the house, so YOU can appear magnanimous with MY money by redistributing it to IRRESPONSIBLE parents who should not make kids when they can barely feed themselves?".............The charity I was talking about was the one in VENEZUELA. That is right Liberty Mutual is taking your $$$$$ and giving it to Hugo...who cannot feed his own nation.
check it out. Link.
http://www.libertymutualgroup.com/omapps/ContentServer?pagename=LMGroup/Views/LMG&ft=2&fid=1239994356771
THE UPSHOT:
Liberty Mutual jacks your rates up YEARLY and gives it away in charities. REDUCING YOUR QUALITY OF LIFE and in some cases pushing YOU the customer into poverty because you cannot keep up with the rate hikes in relation to the lack of job or low paying jobs to be had here in the States.
Liberty Mutual IS IRRESPONSIBLE with the customers, here in the UNITED STATES and does not deserve to operate here. They are milking the US citizen and are "using that money" OVERSEAS by giving it away to charities, to people who breed irresponsibly and to governments who abuse their populous.
IF YOU HAVE LIBERTY MUTUAL. Send them a strong message. "Take your business elsewhere, we are not here to be milked and abused by your irresponsibility to OUR COMMUNITY by ripping us hard working taxpayers off.
Before you reach out to insurance company it is worth to pull up their sites and see what they are involved with. Had I know that Liberty Mutual is doing business with Hugo ChaVez and MY MONEY is part of this alliance I would NEVER have been any part of this company.
I called Liberty Mutual and requested a DECREASE. I was given the shell game answer, "Raise your deductible, and we will lower your premium."
I told them why don't they just stay with the economic climate of "no jobs or those to be had have, no living wages" and adjust the rates accordingly. "We cannot do that."
Liberty Mutual has FOUR major "Philanthropies" that THEY donate to.!!!
So, I said to the meely mouth kid, "Why don't you put me on your philanthropy list and lower my rates?" I am dead serious.
I am barely able to afford heat....I am losing my home to HIGH TAXES(I can pay my mortgage the taxes are the drain)............I qualify for philanthropy.
"Those philanthropies are for poor children."
"Oh, so you raise my premium so that you can AFFORD to give to charities to feed kids, that I did not make? I have no heat in the house, so YOU can appear magnanimous with MY money by redistributing it to IRRESPONSIBLE parents who should not make kids when they can barely feed themselves?".............The charity I was talking about was the one in VENEZUELA. That is right Liberty Mutual is taking your $$$$$ and giving it to Hugo...who cannot feed his own nation.
check it out. Link.
http://www.libertymutualgroup.com/omapps/ContentServer?pagename=LMGroup/Views/LMG&ft=2&fid=1239994356771
THE UPSHOT:
Liberty Mutual jacks your rates up YEARLY and gives it away in charities. REDUCING YOUR QUALITY OF LIFE and in some cases pushing YOU the customer into poverty because you cannot keep up with the rate hikes in relation to the lack of job or low paying jobs to be had here in the States.
Liberty Mutual IS IRRESPONSIBLE with the customers, here in the UNITED STATES and does not deserve to operate here. They are milking the US citizen and are "using that money" OVERSEAS by giving it away to charities, to people who breed irresponsibly and to governments who abuse their populous.
IF YOU HAVE LIBERTY MUTUAL. Send them a strong message. "Take your business elsewhere, we are not here to be milked and abused by your irresponsibility to OUR COMMUNITY by ripping us hard working taxpayers off.
Before you reach out to insurance company it is worth to pull up their sites and see what they are involved with. Had I know that Liberty Mutual is doing business with Hugo ChaVez and MY MONEY is part of this alliance I would NEVER have been any part of this company.
Comments:
Posted by leet60 on 2010-09-17:
Wow. Someone soiled your cheerios. This is normal course of business for insurance companies. If the politicians or powers that be have approved the increases that is where your complaint lies. The insurance company is a business and is responsible to its shareholders to make a profit. As for their philanthropic efforts I applaud them. More companies could make an effort to help poor children.
Posted by Alain on 2010-09-17:
Well, I'm not surprised by Liberty Mutual taking advantage of 'charitable contributions' and buying a few politicians. They'll be able to do their purchasing of pols a little more directly and openly now considering that John Roberts and his Supreme Court majority have opened the floodgates for political contributions by corporations to implement their corporate policies. So much for my rant of the day. Thanks for your review, Connoiseur!
Posted by Obsfucation on 2010-09-17:
When you are in the supermarket do you request a decrease on the price of milk? That has gone up 5% too.
Posted by Slimjim on 2010-09-17:
I don't understand why you don't just switch to another company. Do they have a monopoly in your area?
Posted by justcuz on 2010-09-17:
I don't understand this entire review. I have Liberty for my car insurance and home insurance...and my premiums have been lowered each year. There are a lot of factors that go into determining premiums...where you live, accident rates, percentage of under-insured or not insured drivers, etc. When I lived in Oregon my car ins premium doubled what I pay here in Wa.
Posted by Connoisseur on 2010-09-22:
You don't raise premiums to support your charities. Liberty Mutual benefits in tax exemptions while YOU the consumer pays for it with your premium, and YOU don't get the benefit of that tax exemption.
Trees fell due to ice. The hardworking tree guy charges $2000...for cut/removal and mending the fence. Liberty Mutual puts a limit on how much they pay for the such events. THEY NEVER indicated in the paper work in the previous years that they do not pay the price of the estimate after you pay your deductible. THIS stipulation came into vogue directly after the year that my area was struck by an ice storm. Not only did I have to pay the deductible BUT had to make up for the rest. So what is the point of paying premiums if they are NOT there for the full amount to be paid, for the restoration after the damage? The point of the deductible is to pay what YOU can....and the rest is for the insurance that you cannot.
For the tree incident I paid $500(deductible) $300 on top of that. Liberty paid $1,200. I paid just as much as Liberty. Is not the purpose of the insurance after the deductible to make up for the rest???? NOT according to Liberty. They redefined what insurance means. To them it's "We pay as little as possible." You customer pick up the rest so the SHAREHOLDERS can reap benefits, and the CEOs can make obscene salaries. Oh, and we have some bleeding heart charities that we need for tax shelters. YOU CUSTOMER support 100% of our business operations thank you. We just administer YOUR premium monies by divvying it out...with you Mr. customer as the last on the totem pole. Don't like it too bad. WE have the politicians in our pocket and will ignore your complaint of our unfair practices. Thank you sucker Mr. Customer.
Just for the record "JustCause" I am an upstanding taxpayer, played by the rules....NO MAJOR accident ever. The fender benders three in all were the other guys fault. Two speeding ticket in over twenty years.
They raised my insurance, when a dump truck in front of me had something fly into my windshiled shattering it. They raised my premium when the ice storm act of God happened. They raised my premium when the guy behind me did not stop when I stopped for the traffic in front of me. IPAID FOR EVERY INCIDENT....even if it is not my fault. THAT is slimy.
I am switching. But, why should anybody keep switching just to stay clear of slimy practices?? The truth is 85% of insurances DON'T have to have ethics. They know that insurance is mandatory so they collude in their business practices in "doing as little as possible"....with maximum demand in premiums.
Does this make sense to you? House is worth $250K. Liberty will pay $207K to replace it. How many building contractors you know that will use $207k entirely to build a house, that is worth $250K??? THEY DON'T. It takes 1/3 of that to build a house that is worth $250k on the market. The price is inflated so they can justify an $800+ yearly premium.
I live in a blue state, of the allegedly "progressive" folks. They are so progressive...the taxpayer is regressing into poverty. Oh, yes the pencil pushing administrators are definitely progressing and going up the social ladder scale on the back of the taxpayers.
The red states where predatory practices are shunned and responsible stewardship is still practiced it is possible that the rates are going down to reflect the overall economic climate of the state/nation.
Trees fell due to ice. The hardworking tree guy charges $2000...for cut/removal and mending the fence. Liberty Mutual puts a limit on how much they pay for the such events. THEY NEVER indicated in the paper work in the previous years that they do not pay the price of the estimate after you pay your deductible. THIS stipulation came into vogue directly after the year that my area was struck by an ice storm. Not only did I have to pay the deductible BUT had to make up for the rest. So what is the point of paying premiums if they are NOT there for the full amount to be paid, for the restoration after the damage? The point of the deductible is to pay what YOU can....and the rest is for the insurance that you cannot.
For the tree incident I paid $500(deductible) $300 on top of that. Liberty paid $1,200. I paid just as much as Liberty. Is not the purpose of the insurance after the deductible to make up for the rest???? NOT according to Liberty. They redefined what insurance means. To them it's "We pay as little as possible." You customer pick up the rest so the SHAREHOLDERS can reap benefits, and the CEOs can make obscene salaries. Oh, and we have some bleeding heart charities that we need for tax shelters. YOU CUSTOMER support 100% of our business operations thank you. We just administer YOUR premium monies by divvying it out...with you Mr. customer as the last on the totem pole. Don't like it too bad. WE have the politicians in our pocket and will ignore your complaint of our unfair practices. Thank you sucker Mr. Customer.
Just for the record "JustCause" I am an upstanding taxpayer, played by the rules....NO MAJOR accident ever. The fender benders three in all were the other guys fault. Two speeding ticket in over twenty years.
They raised my insurance, when a dump truck in front of me had something fly into my windshiled shattering it. They raised my premium when the ice storm act of God happened. They raised my premium when the guy behind me did not stop when I stopped for the traffic in front of me. IPAID FOR EVERY INCIDENT....even if it is not my fault. THAT is slimy.
I am switching. But, why should anybody keep switching just to stay clear of slimy practices?? The truth is 85% of insurances DON'T have to have ethics. They know that insurance is mandatory so they collude in their business practices in "doing as little as possible"....with maximum demand in premiums.
Does this make sense to you? House is worth $250K. Liberty will pay $207K to replace it. How many building contractors you know that will use $207k entirely to build a house, that is worth $250K??? THEY DON'T. It takes 1/3 of that to build a house that is worth $250k on the market. The price is inflated so they can justify an $800+ yearly premium.
I live in a blue state, of the allegedly "progressive" folks. They are so progressive...the taxpayer is regressing into poverty. Oh, yes the pencil pushing administrators are definitely progressing and going up the social ladder scale on the back of the taxpayers.
The red states where predatory practices are shunned and responsible stewardship is still practiced it is possible that the rates are going down to reflect the overall economic climate of the state/nation.
Posted by jktshff1 on 2010-09-22:
All should be careful of the businesses you support. Investigate their policies and "contributions" to specific groups. There are quite a few I don't spend money with because of the "charities" they support.
Posted by Westchaser on 2010-10-04:
Oct 2010: Liberty Mutual Group has once again raised their policy holder's rate by a whopping 24% twenty-four percent, here in Florida.
This is an outrage, especially in consideration of the economy, customers who are on a reduced salary or out of work, etc. They did the same thing last year and their excuse was literally "Be glad you weren't dropped altogether," when I called to ask why the huge rate hike.
This is an outrage, especially in consideration of the economy, customers who are on a reduced salary or out of work, etc. They did the same thing last year and their excuse was literally "Be glad you weren't dropped altogether," when I called to ask why the huge rate hike.
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