WISCONSIN -- I got injured on the job last June. It was reported immediately as I could hardly walk, but I finished my duties for the day and reported to a Dr. the following day as there was no way I could do my job. Pain at 10. Fast forward, it turned out to be two separate tears in the meniscus in my knee. Surgery was required. Liberty Mutual (LM) paid under workman's comp. and covered all my medical expenses and physical therapy plus lost wages. To a point.
Eight months and the representative from WM decided she wanted an IME (Independent Medical Examination) hired by them, (starting to smell a rat?) to examine me and give them a 2nd opinion. I reported for the IME which I spent all of ten minutes with. He submitted his report to LM and stated that he said that any pain I felt the day of the injury was a mere manifestation of a pre-existing condition and that my torn meniscus, two of them was NOT relative to work and therefore I should be denied any further care or compensation.
It's all well documented from my treating Dr./Surgeon that in no way could tears occur unless there was specific trauma. Well, LM adhered to the rat's report and I was cut off. Now I am going through hoops to collect disability, a $500/wk cut from WC and my doctor put me on permanent restrictions preventing me from returning to my job. Had to file for a hearing with the Workforce Development people of my state, to challenge WorkComp, ie, LM and that hearing could take 4-6 months.
I do not like to think that I could lose my house over this but LM is ruthless and could give a ** less. Bottom line, I hope I'll come out of this all right as my union representative assured me that appellate judges do NOT like to hear UPS and WM mentioned in the same sentence. Just hope I can hold on till the hearing. Thanks Liberty Mutual.
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?
ROCHESTER, NEW YORK -- I was involved in a MVA with a Liberty Mutual client on May 30, 2008 where their client traveled through a red light and caused an MVA. Their client admitted to being lost and passing the red light and a police report was generated faulting her.
Liberty Mutual found that I was 10% at fault for not doing "something" to avoid striking her. They said that I could have swerved to the left ( I would of hit the car already in that lane ) or honked my horn ( do you believe that one?? Like that was going to make her disappear??) Their rep was rude and closed my claim when I told her that I would contact my insurance company and fight her findings.
It gets better folks....my agent who is with Allstate was contacted and told me initially that without the other driver being ticketed, insurance companies will find the other driver partially responsible. That is B%*^lls#$t!!! I reminded my agent that I AM A POLICE OFFICER and that is NOT TRUE!!!! He got nervous and told me that he would call me back.
He called 2 days later to say that I could fight it, but that I would have to pay the deductible up front and go to arbitration. The arbitrator would find for the insurance company because it is only 10%. Do you believe this??? Obviously my agent doesn't want to report it to Allstate because he doesn't want to lose part of his year end bonus for fewer claims.These insurance companies are all bed with each other!!! I am so disgusted!!!
I have left a message for the Liberty Mutual rep to pay the 90% and that I will sue her client in small claims court for the additional 10%. To date, she has not reopened the case because she is a nasty witch!!! I have filed complaints with the NYS Insurance Fund and the NYS Attorney General's Office. I suggest that everyone do the same in their states. I will sue their client in small claims court for the 10%. It will only be about $140.00, but it is the principle of the thing. People need to stand up for themselves.
UPDATE... On June 12, 2008 Liberty Mutual called to say that they will now pay 100% of the damage to my vehicle. It just shows you that you should NEVER lay down and take it. Complain to everyone that you can and hope that someone will listen... the squeaky wheel gets the grease!!!!
MINNESOTA -- My policy with Liberty Mutual was 37 years old. I was cancelled because I had two thefts two years apart. Their total outlay for these was less than $1200. I naively thought that having the most coverage I could get was a good idea and since I was paying extra for that coverage, I should file a claim when my stuff was stolen. I had to take out an assigned-risk policy (managed by the state) which cost a fortune. I have since changed my insurance strategy to taking out policies with the highest deductible I can possibly absorb and absorbing it when my belongings are stolen.
In researching this I find that insurance companies have an inside track to state regulators and can pretty much dictate the terms they will operate under. I believe now that most insurance fraud is perpetrated by insurance companies.
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 town home, 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 ** us, Liberty Mutual, plain and simple.
After working for 7 years I became disabled due to no fault of my own. I started to receive short term disability and transitioned into long term disability, both provided by Liberty Mutual. For 7 months I waited to get a copy of my policy. The claims manager called and harassed me twice a month requesting a return to work date. The claims manager constantly threatened to suspend my benefits for the smallest thing. My doctor described their persistent request and questioning as pure harassment.
The claims manager tried to exclude me from process and worked individually with my doctors, as if he knew what was best for me. This claim manager even tricked my doctor into filling out a form without my knowledge consenting for me to return to work, with a major injury. When I asked the doctor why did he make such of an decision, he stated he was tired of them bothering him, and he filled it out in haste. This company tried to minimize my injuries and engaged in deceptive methods, which were pure tricky to exclude me from the policy.
I've learned a lot through my situation. I've learned that we have rights, and don't deserved for a claims manager to speak to you in an improper way. My claims manager yelled at me at times when I was too ill to communicate over the phone. I am still fighting back, and making the preparations in case they cut me off. I am still frustrated with their attempts to analyze my words, hoping to catch me in a lie, and to establish an inconsistency. This company is hell. They make billions of dollars a year screwing people
Liberty Mutual will immediately deny your claim or put you off and you will be in litigation so long that you will lose everything by the time your case is heard in court. When your life cannot seem to get any worse, they will swoop in when you're desperate and offer you a tiny fraction of what you've lost. I think they hope that you will die before your claim is resolved. I have been in litigation for 7.5 years already. I've gone without proper medical treatment, which has delayed recovery, and since I have been unable to work, I've lost my home, two cars and so much more.
I'm down to 100 lbs because I have to choose between medical treatment and food. Now, they've come up with some ridiculously low settlement that doesn't even include lost wages. If I accepted it, I wouldn't even be able to pay off the debt accumulated as a result of being unemployable. This company is truly evil and now it could be a long time before it goes into arbitration in Illinois.
If you have to deal with them make sure you get the best possible attorney because they will hire the best of the best. Also, they won't hesitate to spend $20,000 or more on a medical expert who will find in their favor. What doctor wouldn't if he will make $20k in a couple days of work? All he has to do is find that you suffered an injury 20+ years ago and he can say that is the current cause of your condition. They will spend whatever it takes to keep from paying out to the insured, which seems counter-productive to me. They'll spend more on attorneys and experts than they would pay for a claim or settlement.
I'm writing this review because something need to be done about these insurance company rip off artists. My son-in-law got hurt off the job and paid for short term disability. He injured his neck and shoulder. He sent in all the required paperwork, medical records etc. After a month now LMI has denied his claim. First they said they didn't get his paperwork thanks to fax confirmations. Shut that one down. He can never get a hold of his case worker from LMI. Now he see's a neurologist for 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?)
ARIZONA, WASHINGTON -- Liberty Mutual Continues to treat customers with contempt. If you like being abused, this is the insurance company for you. After having this company cover all my worldly possessions (umbrella) for 22 years. I finally had to make a claim (not my fault). None of the body shops would repair my car because of the company's reputation for not paying for "given damage". The fact that the insurance adjuster appraised the damage for $1,000 less than all the body shop's was the first clue. If you have these guys as your coverage dump them and dump them now. "Still screwed with a messed up car".