PO BOX 2721 NORCORSS, GEORGIA -- Even though I didn't have the displeasure of having Liberty Mutual as my insurance company, the individual that hit my wife head on was insured by Liberty Mutual..Their insured was charged with the accident, making a you turn in the middle of the road and hit my wife who had virtually stopped. They never called me, I had to instigate the claim..I was out of town and it had been 2 weeks with no contact from them...When I called them, they said they had not accepted responsibility for the accident, even though their insured was charged with the accident...They said they had to talk to a witness..They finally did after the car had been torn up for over 3 weeks...They sid they don't pay for time you are without your car...Just the time it is in the shop. They want to use cheap aftermarket or used parts..They didn't want to pay the storage bills on the car. Only paid $250 for diminished value on an Acura Rl that no previous car fax or paint work. Paid me for 15 days for the repair work...The car was in the shop being repaired for over 60 days...They refused to pay the difference even though they said they only paid for the time it was in the shop...My car was out of commission for over 6 months while I was hassling with them...You can't sue an insurance company when they won't cooperate...You have to sue the individual who caused the accident....Finding some of those guys isn't easy...I spent over $2,000 in legal fees and skip tracers trying to find the guy when I finally gave up..Remember all insurance companies aren't equal..call a body shop and ask who the dead beat insurance companies are..Most of the ones you see on TV advertising and are late comers in the game are the scam ones..Cheap isn't any good when you can't get a claim paid....I wouldn't have one but I am still stuck with them since the person that caused the wreck had them as his insurer...beware..