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Liberty Mutual Insurance Reviews and Customer Comments

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These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments.

"Their claims adjusters are very aggressive unprofessional. They cannot seem to get claim information correct switch adjusters multiple times during the process. "
Commented on 2014-10-01 16:16:15 EST
"They are the worst company if you have a claim. "
Commented on 2014-09-30 16:44:13 EST
"This review is for all those who reviewed and are happy with Liberty Mutual. Apparently you have not yet presented a claim to Liberty Mutual. I did present a claim they refused to pay it in full to be responsible as they advertise and I was required to arbitrate my claim with them which resulted in an award in my favor for the policy limit and all costs involved. Of course this required several years of waiting and even after the award was served on them which was binding they took a full 30 days to pay it. Now as my reward to Liberty Mutual they have been sued for bad faith. I will report the results of the bad faith case when it is finalized........count on a few more years. Never ever insure with this company...ever."
Commented on 2014-08-28 12:08:29 EST
"Have insured 2 autos my home and a summer home for the past 7 years. Read several articles about "price optimization" within the insurance industry and decided to take a closer look at my coverage and premiums. It turns out that I had been a lazy loyal customer for too long and was taken advantage of by Liberty Mutual. Took my business to another carrier and saved 1410.94 per year in premiums. My new coverage is nearly identical with an increase on my summer property and in addition provides a million dollar liability umbrella policy.Word to the wise check your policy statement each and every year and compare against the prior.I will never do any business with Liberty Mutual again."
Commented on 2014-08-26 16:17:29 EST
"I switched to LM per a coworker's opinion and I like this company. My agent walked thru every line-item for my vehicle insurance and he also gave me insight into how much personal liability insurance would cost me because I visit Canada and France regularly so it was important for me to be covered in case of a car accident out-of-country. It's really inexpensive too. Also I have much better overall coverage than with my previous company. Overall I am pleased. My only complaint is that my agent's office could improve it's return-phone service because they do not call back quickly nor do they always call back when I have a question. "
Commented on 2014-08-18 14:21:12 EST
"I left Geico for Liberty Mutual because they sent a letter to my office claiming great rates for Realtors. I called and indeed they did have very good rates so I switched my two auto policies 2 homeowner policies and umbrella insurance. Just got my notice due in 2 weeks mind you that the rate is going up HIGHER than it was with Geico. I think I was duped and will be pulling all of my policies and recommending to my clients to NEVER use Liberty Mutual. SCAM"
Commented on 2014-07-15 00:07:21 EST
"price keeps going up esp in auto"
Commented on 2014-07-02 08:12:43 EST
"I have filed two claims for hail damage to my roof on a 2375 SF home and Liberty quickly paid and there are no complaints from me. Total of both claims are near 40000"
Commented on 2014-06-20 14:56:43 EST
"I filed an uninsured motorist claim with Liberty Mutual who then REPEATEDLY refused my policy limit demand and instead demanded arbitration. The arbitrator awarded me my policy limitand less than six months after the arbitration award I sued Liberty Mutual for bad faith. Their new attorneys are now claiming I waited too long to sue them for bad faith. "
Commented on 2014-06-08 20:43:28 EST
"Customer service is not up to par....when I call to ask a question the experience is very impersonal...I would like to have an agent who remembers who I am...More of a "mom and pop" feeling"
Commented on 2014-05-22 09:45:06 EST
"Becareful of the automatic payment process.Make sure you review your premiums often.They will increase your premium withoutcontacting you. I saw an increase of over25% in one year.And I have not filed a homeowners claim in 15 years. "
Commented on 2014-05-09 10:49:47 EST
"I asked for a quote and then declined it for too expensive. They increased my rate 3200 a year any way and started taking the new rate out of the automatic withdrawal from my bank. They then refused to refund AND refused to take the new insurance off that I had declined. LIVID. Wrote BBB as well. As soon as find another company will be leaving them quickly. Horrible horrible service and doubt this is legal. NEVER EVER GO HERE NOT WORTH THE RISK OF THEM STEALING FROM YOU."
Commented on 2014-03-31 19:54:32 EST
"I had my home owners insurance as well as my two motor vehicles insured with Liberty Mutual. Annual increases were getting ridiculous and since I never filed any claims with this company and both my wife and I have meticulous driving records I called to inquire about reducing my premiums. The agent I spoke to stood fast and the only way I could reduce my rates was through increasing my deductibles. Upon hanging up the phone I contacted another reputable company and without reducing my coverage and actually increasing coverage in some areas I was able to save 500.00 on each policy Home and Auto. I called my agent back at Liberty Mutual told them I switching to another company and was not even asked how they could keep my business after insuring with them for ten years. Horrible customer service and I am happy to be moving on. "
Commented on 2014-03-10 22:51:12 EST
"Consistently had to call them to get the process moving as they took their sweet time on my claim. After a month they said they would not extend my rental after I responded within hours of any request they had of me. Took their time picking up the car from towing yard didn't communicate with the body shop on pickup times and then decide they are back to totaling it again. "
Commented on 2014-03-01 13:23:55 EST
"Consistently had to call them to get the process moving as they took their sweet time on my claim. After a month they said they would not extend my rental after I responded within hours of any request they had of me. Took their time picking up the car from towing yard didn't communicate with the body shop on pickup times and then decide they are back to totaling it again. "
Commented on 2014-02-27 14:19:09 EST
"Liberty Mutual enticed me with a 700.00yr for my home owners insurance. The second year premium was raised to 1400.00yr and now this year was raised to 1700.00yr. I have never filed a claim. I called to inquire about the increase and all the agent could come up with was my discounts had expired? I asked what discounts? Her only reply was " you were given a new roof discount? I found a new insurance company."
Commented on 2014-02-24 23:14:17 EST
"I had Liberty Mutual and the last few years my rates have been going up almost 10 percent a year. I never had a claim and no driving offences. I went with another reputable company and getting the same coverage for 50 percent less. "
Commented on 2014-02-17 22:51:02 EST
"anyone who works for an employer who has Hartford Ins for workers comp be prepared for a long drawn out process and subesequent denial with no medical help. get a lawyer involved as soon as you file a claim"
Commented on 2014-01-24 10:08:28 EST
"The worst. Had Liberty Mutual for 12 years both auto and home until my auto insurance skyrocketed. Dropped the auto then this year home went through the roof an increase of 400. Absolutely no customer loyalty ridiculous reasons for increases. You would think this company was punishing its customers for their long time patronage. They gouge. "
Commented on 2014-01-16 15:53:17 EST
"Refused to even send out an adjustor to even look at damage my shower caused to my neighbors basement closet. They are terrible"
Commented on 2013-11-29 18:05:52 EST
"I filed my 1st claim after 12 years of paying premiums. My shower leaked into my neighbors basement. I saw it with my own 2 eyes leaking onto her floor. I called a plumber and they said I had a clog in the line. I notified Liberty Mutual and they told me I was not responsible for the leak because I did not intentionally cause the leak. I saw the leak come from my shower Her damaged floor was in a closet about only 20 floor tiles were damaged. they refused to look at it or pay for it. Now because I want to keep a good relationship with my neighbor I get stuck paying for it because LAME co WON'T PAY TERRIBLE "
Commented on 2013-11-27 12:14:22 EST
"I have been with Liberty Mutual for 40 years. You might think that they would take care of such a loyal customer. I just got a renewal notice that raised my rates for three cars by over 300 per year. So I decided to shop around and found out that I could get better coverage for 1500 less. I confronted them and they offered me the exact same insurance coverage for over 1000 less than they originally asked Who knows how long they have been gouging me by charging me over 1000 more than they should have. Buyer beware Shop your rates every year or two"
Commented on 2013-11-23 01:56:11 EST
"Would never file a claim with them as they informed me that my rates would go up when I was hit while sitting at a stop sign by a man who ran the other stop sign and was hit by an FPL truck. The only reason I had them is my family has been with them for 40 years. Today that changes I am cancelling my 40 year policies and going with someone else. LM's response is we're sorry but that is how it is. I also have had to get Windstorm Ins. with a state exchange because Liberty Mutual quit providing that in Florida. They tell you that there is no one in the state that sells Windstorm insurance except a state exchange called Citizens Windstorm which is not true there are other insurances. Citizens will overcharge drop you quickly and never notify you or the mortgage lender and take up to 4 years to pay out. So are they somehow working together? "
Commented on 2013-11-20 14:22:08 EST
"We got homeowners insurance through them. They came out and told us there was 3 repairs that needed to be made. We made the repairs they requested and sent pictures for proof...thought everything was ok. Got a phone call this morning that we had been cancelled. We got not warning or notice. Reason was cause we have for small dogs and they said their policy is you are only allowed 3 dogs...so why were we not told this in the beginning when we took out the policy and they knew about it. Had another agent call and ask them about this. He told me that was a lie. They will never get any business from me again nor will I ever refer them to anyone. Very disappointed in the way they do business...Some of the people I dealt with on the repairs were very helpful ..but the B that called me this morning...rude and hateful. "
Commented on 2013-10-31 15:49:34 EST
"After being a customer for 17 years I filed my first claim with Liberty Mutual. I recieved 10000 for a new roof. At the policy 6 month renewal one month later. The responding fire department location was changed on my policy and my rates increased 1000 per month. They are going to get that 10000 back pretty quickEvery quote I recieved was over 10000 less per year than what Libery Mutual was charging me. This included Liberty Mutual's own online quote of 3100 per year instead of the 15000 they raised my rates to.On checking with the Oklahoma Insurance Department website and compairing quotes. Liberty Mutual was the most expensive coverage for all insurance companies listed at that time. I would not recomend Liberty Muntual to anyone for anything."
Commented on 2013-10-15 14:30:46 EST
"Raise rate 30% without notifying owner of change. On auto de-duct which seriously took advantage of customer---SURPRISE on bill"
Commented on 2013-09-25 08:56:57 EST
"I was stopped on the freeway due to traffic when struck from the rear by an uninsured vehicle driven by a person with a suspended drivers license. I injured my neck and right shoulder requiring four neck surgeries and three shoulder surgeries. The third neck surgery resulted in permanent right vocal cord paralysis requiring two vocal cord surgeries which were unsuccessful. Liberty Mutual refused my repeated demands that they pay me my policy limit claimed that only my first two neck surgeries were related to the accident my three right shoulder surgeries were unrelated to the accident my last two neck surgeries were unrelated to the accident and since the third neck surgery was unrelated to the accident the permanent right vocal cord paralysis and two vocal cord surgeries were unrelated to the accident. Through their attorney they demanded arbitration. We arbitrated my claimand the binding arbitration award was for the policy limit. Never insure with them."
Commented on 2013-08-11 10:24:24 EST
"Have had to wait for a month and half for a claim to be settled only to be told their not going to pay anything on my claim.This company does not return any of my phone calls at all run from them as fast as you can. "
Commented on 2013-07-25 15:37:01 EST
"We had auto and homeowners for about 9 years. They went up 20% again this year and refused to budge on the price. We cancelled. LM because we pay online snagged an extra payment for our policies. We paid one month up front. That means they snagged two months' worth of money they effectively stole from our bank account. Do not give them access to your account. We have the receipts for nine years and it will take at least that to get anywhere with this compnay.File a class action suit someone. We are going to the BBB the Attorney General and the press. PLEASE DO NOT USE THIS COMPANY. "
Commented on 2013-07-18 19:33:52 EST
"liberty mutual raised my auto insurance rates three time which has caused it to more than double because of other drivers in my state. Have never had to file a claim with them."
Commented on 2013-07-09 10:10:38 EST
"Fast Fair"
Commented on 2013-05-15 16:48:40 EST
"Very poor customer service. Great sales to sign you up but all down hill after they get your business. Go with insurance company that you can sit down with or can come to your home so issues can be resolved."
Commented on 2013-04-19 09:14:27 EST
"Wow What a nasty company to deal with Although they approved my claim for STD I felt like I was on trial for murder. They mistook me for an hourly employee when I am in fact an executive. Big mistake. Upon my return to work I will dedicate my whole self to getting rid of Liberty Mutual. I do not want any of our employees to suffer such indignation for getting sick. This is a huge policy that they do not deserve."
Commented on 2013-04-13 00:58:47 EST
"Be careful and read your policy thoroughly. Even then this company will find ways to manipulate the English language and the data. EXCERSIZE CAUTION"
Commented on 2013-04-07 09:55:44 EST
"Filed a few auto claims over the years. Also dealt with them recently when my relative backed into my car he also had Liberty Mutual. On all occasions their customer service reps and adjusters were exteremly responsive. I never had a problem with them. About the only thing that I've noticed is that their rates have gone up dramatically on my homeowners policies and we've hadn't had a claim in the 15 years we've been with them."
Commented on 2013-03-26 22:25:27 EST
"They are a great company to work with unless you actually need something from them. We are still waiting for a claim to be processed from October. It is now March. They have one excuse after another need just one more form... Six months is excessive to process a claim"
Commented on 2013-03-15 14:19:43 EST
"Was with LM for 15 years or more. It WAS a very good company. When setting up two homeowners policies recently they basically made it impossible to do business with --- went elsewhere. "
Commented on 2013-02-14 10:11:19 EST
"After single relatively small claim insurance company increased by over 50%."
Commented on 2013-02-12 17:17:31 EST
"rate change and policy change withot notification or explaination."
Commented on 2013-01-31 15:33:23 EST
"Not the same company they were 20 years ago.Looking for a new one."
Commented on 2013-01-12 19:12:41 EST
"they said if I filed my claim they would cancel my policy. I will find me another company. BTW we were with them for over 40 years filed 2 claims less than 10000 on both claim."
Commented on 2013-01-04 15:16:24 EST
"rates have gone up yearly on both home and auto. All surrounding houses got roof replacements but like someone else stated they wanted to patch mine. They were cheap but you get what you pay for. I would not recommend them although I got them many customers prior to my finding out they do not pay out."
Commented on 2012-12-11 17:54:47 EST
"Buyer beware. Read the fine print."
Commented on 2012-11-28 15:04:27 EST
"they are a pain to deal with each year at renewal time. raising premiums inflating value of my home. also are changing deductibles from a flat rate to percentages for wind/hail damage and earthquake. after hail storms all my neighbors were getting new roofs - we were not. liberty mutual insurance was being investigated on local TV for not paying claims after storms."
Commented on 2012-10-30 13:51:21 EST
"No response from company"
Commented on 2012-10-25 13:24:18 EST
"They quote you a great price then do an inspection without telling you and try to "recommend" someone to do the repairs.How ridiculously obvious."
Commented on 2012-10-10 18:02:42 EST
"Have been with them for over 20 years...never one problem-always paid on time friendly service."
Commented on 2012-09-26 14:16:27 EST
"The absolute worst insurance company out there. They nickel and dime you to death until you just get too tired to question them anymore"
Commented on 2012-09-21 21:36:40 EST
"Very unhappy with company and would not every have their insurance aganin. I took out LDS with company and they stopped my benifits after 2 years and say I can work sedentary work. Which I cannot work because of RAostaarista also fibroid myallagw spinal of the neck also chronic fatagie syndrome depression problems."
Commented on 2012-09-16 20:25:29 EST
"They approach their business to make money for shareholders not policy holders. The worst insurance company if ever dealt with--the absolute worst."
Commented on 2012-09-15 14:16:28 EST
"Poor phone response and persons unable to answer any questions outside of scripted information exchange. Return calls were off time and extremely perfunctory. They were at THERE schedule - forgetting you have to work to pay insurance bills to pay fat cat insurance executive salaries."
Commented on 2012-09-12 11:16:19 EST
"Took several weeks for the Independent Appraiser to send his report in for additional consideration. Claim is still open 3 months after reporting."
Commented on 2012-09-07 13:10:04 EST
"They will offer very low rates to get you in then increase rates every year... homeowners with excellent credit rates are triple what they were originally. Time to switch."
Commented on 2012-09-02 18:36:57 EST
"very bad insurance co raised my home owners insurance 28% would not budge with them 40 years"
Commented on 2012-08-30 15:06:38 EST
" Claims adjuster was extremely rude and refused to transfer me to a supervisor. Although the accident was not my fault per police report they did not want to pay my deductable although I have full coverage. Stay clear of this company. "
Commented on 2012-08-27 02:58:58 EST
" Dealing with Liberty Mutual for my workers compensation claim has been a nightmare The claims adjusters are rude unethical harassing and dishonest. Their policy of "deny and delay" is meant to wear me down so that I will give up and go away. Instead I got an attorney and have filed a lawsuit. I know that their CEO is making millions of dollars while workers are without an income. IRRESPONSIBILITY is their policy"
Commented on 2012-08-26 19:29:42 EST
"Had to use for short term disability. Even when my doctor specifically explained to them the reasons I need to be on bed rest for pregnancy complications they still denied my claim and I had to go back to work. Now I get to worry about a miscarraige Thanks liberty mutual"
Commented on 2012-08-24 17:16:38 EST
"Annual rate increases for the past two renewals have been 30% each year. "
Commented on 2012-08-19 13:42:17 EST
"We had a home claim and a car claim that they never folowed up on. They would find ANY reason not to pay out. I have been with them since 2007 so I have been throwing my monay in the trash for 5 years. They went up on my insurance so i am DONE with them."
Commented on 2012-08-17 14:37:29 EST
"A tree fell on our barn. The inspector came the next day and gave me a check right then so I could start the process of having the tree removed. They were very helpful. They also have been very helpful any time we had a problem with our car. When a severe storm knocked down several trees which pulled the electric box off of our house I called them. Even though it ended up being less than our deductible the agent was very helpful with advice about what to do. They are very polite."
Commented on 2012-08-15 12:40:32 EST
"-Increased rates never filed claim --refused to lower rates...customer service is very bad"
Commented on 2012-06-17 18:16:33 EST
"We had a small fire at our new house four days after closing. Once we called insurance everything was taken care of in a matter of days. The person handling our claim was very responsive and made the whole process virtually painless. We were VERY satisfied with the result."
Commented on 2012-06-13 09:05:46 EST
"WARNING Avoid Liberty Mutual.Currently suing to get paid for a claim that happened in 2005.They will low ball the value of your vehicle and lie to avoid paying you at all.Boycott them and tell everyone before they try to burn you.I wonder if anyone at Liberty Mutual reads their reviews if you have a to file a claim it becomes a nightmare"
Commented on 2012-05-26 07:27:08 EST
"Reported accident that was other drivers fault. Completely handled by other company. They recorded it as a claim on them with zero payout then raised my rates by 200."
Commented on 2012-05-22 07:06:33 EST
"the claims adjuster paid my claim but acted if i push the deer in my car"
Commented on 2012-04-14 13:38:22 EST
"My retail store was burglurized almost six weeks ago. "The check was in the mail" 2 1/2 weeks ago. Still no money. I could write a book about this experience"
Commented on 2012-04-11 16:51:32 EST
"I have had this insurance for 20 years. Recently a Service station put gasoline into my Diesel truck which caused the motor to freeze. I filed a claim with them thinking that they would go after the other insurance. 1 month into this with my truck sitting at a repair shop they had not contacted the other insurance and wanted to put a used motor out of a junk yard in my truck that had very little miles on it. the used motor would not be guaranteed. The repair shop wanted to rebuild our existing motor with warrenties included. We contacted the other insurance company ourselves and started the claim process with them. they worked with us thru the whole thing. I wish they were our company. we are quitting this one for sure"
Commented on 2012-03-27 21:34:59 EST
"takes money out of your bank account 7 days early and does not inform you that they are doing this. Sends creepy men to your house to take pictures of your house again no notice Hello this is my property you are invading and I do have the right to be informed when someone is trespassing Canceled our policy because of a small piece of siding that had blown off our detached garage during a wind storm...."
Commented on 2012-03-26 11:16:28 EST
"Liberty Mutual after an accident stated my car could be repaired after 3 trips to the repair shop my car is still not fixed right. No one returns calls as stated I can never get to a manager who someone who can help. A rip off of a company avoid at all costs"
Commented on 2012-03-20 14:56:26 EST
"After many calls to the claims department they have yet to return my many calls"
Commented on 2012-03-15 11:16:33 EST
"Liberty Mutual / Safeco handled my claim with bad faith and unfair practices. They violated CT state statutes. Dept of Insurance had to get involved. "
Commented on 2012-02-25 16:45:00 EST
"They decided that they had paid out enough money and refused to reimburse us for the full price of the things we replaced even though we had replacement value on our policy. They also depreciated everything in our house 75% and said that the toilet paper in our bathroom was 5 years old. When we tried to fight them they accused us of fraud and hired a sleazeball attorney to make it terrible. So much for the company that says that they are "responsible" and "do the right thing.""
Commented on 2012-02-08 09:15:19 EST
"It a great insurance company. They pay claim on time and fast recommend this insurance co."
Commented on 2012-01-20 22:53:11 EST
"Liberty Mutual understands Customer Service. There is always a human being ready to answer questions and assist. They look for ways to help me save on Premiums. The times I have had claims they have been very responsive flexible and cooperative. I have not compared prices or service with other companies but why risk something that has worked so well for me "
Commented on 2012-01-12 18:41:50 EST
"House fire July 2011 settled us in townhouse but nothing has been done to cleanup or start rebuilding of burned house and its January 2011."
Commented on 2012-01-09 11:12:30 EST
"Financial people at our home closing stated we were paying alot for our insurance and should check around. We have gotten some quotes now and am to the point of checking out what people have to say bout them before canceling my current company Liberty Mutual."
Commented on 2012-01-08 09:40:08 EST
"Short term disability doctor put me out for 6weeks they dont pay the first week then after 3weeks of coverage at 60 they called me at lunch time to tell me this was my last day of coverage and doctor said 3 more weeks before he could release me I sent all the paperwork they requested that day now I get more inthe mail and they have been dodging my calls for more than a week"
Commented on 2011-12-20 14:27:40 EST
"After over 20 years of paying premiums for homeowners with no claims I get a notice that I am being dropped. Not to happy at this point no way to treat customers"
Commented on 2011-12-14 13:47:36 EST
"Contractor estimate was 64000 to restore. Liberty Mutual sent check for 17000 and has not responded in over 30 days.No return calls or returned emails."
Commented on 2011-12-11 13:31:50 EST
"Very high rate increase when policy renewed. Only explanation is yearly rate increase 1100. yr"
Commented on 2011-12-07 16:19:25 EST
"Use this company if you only want 1/2 your roof replaced and 3 sides of your damaged house painted but they will explain how that works. "
Commented on 2011-11-21 22:55:24 EST
"I suffered a total loss on my car in an accident that was not my fault. The reimbursement value offered is not replacement value even though this is what I paid for the last 19 years. its taking weeks to get a check and Im paying for a rental car while I wait. I have had both homeowners and auto policies with Liberty Mutual for 19 years and expected that if I ever needed help my loyalty would count for something. Its all about claims management for the adjusters customer loyalty is something only the sales department values."
Commented on 2011-11-19 02:36:30 EST
"My windsheild was fixed but I can still see the repair - very distracting."
Commented on 2011-11-07 00:19:26 EST
"My employer uses Liberty Mutual for STD/LTD. I suffered a stroke and lost sight in one eye. Unable to perform my administrative job that required visual acuity both of my doctors took me off work. Liberty Mutual denied the initial claim and omitted pertinent information from my job description until I documented it in an appeal. I won the appeal and attempted to return to work for six weeks. Unable to perform the essential functions of my job my doctors took me off work again and I filed a new STD claim. Liberty Mutual denied the claim again and even omitted the pertinent information from my job description again to justify their denial. I appealed again they not only had their doctors disputing my doctors but extended their review time twice to delay the process. Liberty Mutual and their claim representatives are morally bankrupt. They ruin peoples lives in the interest of greed. I only pray that someday they will experience the same personal sufferring and there really is such a thing as Karma.As a Human Resources Manager I will never even consider hiring a former Liberty Mutual employee."
Commented on 2011-11-01 07:58:49 EST
"put claim for my home it was denied and now it is on my recordWHY should it be on there when it was DENIED and they didnt pay one dime. This was our FIRST CLAIM."
Commented on 2011-10-31 09:37:41 EST
"They failed to file documentation of insurance with DMV leading to a suspended registration. When asked repeatedly to rectify the situation they consistantly said theyd do it and failed to actually do anything."
Commented on 2011-10-28 00:25:15 EST
"Liberty Mutual will try to beat you down until you submit to the minimal amount they will offer. They do not care about having you as a repeat customer."
Commented on 2011-10-27 13:06:14 EST
"Easy to reach a real person when you call not just some crazy voice mail that passes you around and around."
Commented on 2011-10-27 10:29:01 EST
"This has been the most stressful experience ever. It is bad enough having to deal with a flood move out of my home and get it fixed -- but these people are a complete nightmare. They passed me to 3 different adjustors changed their story deceived and lied to me. I am still waiting for a check. Never ever again."
Commented on 2011-10-24 11:12:39 EST
"No matter what you put a claim in for they will find a reason that you arent covered. They used to be a good company but no longer. They will not cover something that they could offer on an addendum but didnt offer and no one can tell me why they did not so therefore I am not covered. They do not take into consideration that our family has used their company since the 1940s. They really dont seem to care if you go to another company. "
Commented on 2011-10-01 00:25:56 EST
"from the insurance adjuster to the claim rep nobody explains clearly of what is going on and dont bet your life on getting a return phone call or an update or status--the worst customer service I have ever experienced"
Commented on 2011-09-11 18:05:12 EST
"My opinionThey try to trick you out of money on claimsLiberty Mutual said that I was not covered for something when I actually was. Two different representatives did this. In my opinion they try to cheat you out of money by tricking you. If it works they can keep the money. No penalty to them for the attempt. Then I felt like I needed to go to the trouble of proving that I had the particular coverage. If you go by the information that they tell you it would be possible to be cheated out of thousands of dollars. It seems like they make the claims process difficult and adversarial on purpose.If you make a claim with them and want what you are entitled to be forewarned."
Commented on 2011-09-07 22:52:07 EST
"never expect them to actually cover what you hired them for "
Commented on 2011-09-06 21:13:41 EST
"No matter what your claim they will say it is not covered. "
Commented on 2011-09-06 15:56:11 EST
"On the positive side Liberty Mutuals response to an accident claim was quick and responsive and we had a check for the cost of the vehicle to use in 10 days. However the downside is that rising cost of our insurance coverage seems to be overpriced compared to other insurers I guess time with a company and bundling really does not matter."
Commented on 2011-09-02 12:02:38 EST
"I filed a Homeowners claim due to a roof leak which was declined which I accepted. However 4 months later they cancelled my policy without notifying me. I was notified by my mortgage company. Upon calling LM they realized they had not sent me a cancellation letter and would re-instate my coverage for 2 additional months and then cancel. I paid for ONE year in advance and they apparently have the right to cancel their own written contract 5 months early and issue a refund. Be aware. They cancel even when I did not follow thru with my claim or accept any money from them."
Commented on 2011-06-26 12:44:53 EST
"Handled my claims well but are very dishonest and very excessive about rates and increases. They will raise your rates to 4x what other companies charge even if you have no claims. Im saving 2000 a year since switching to another company."
Commented on 2011-06-24 10:31:49 EST
"Very competitive rates. Easy claims process excellent customer service in every area."
Commented on 2011-06-23 09:24:45 EST
"Liberty Mutual employees are the most deceitful incompetent and rudest claims administrators around. The first claims administrator I spoke to lied about the times that she contacted me and my doctors office and about the requested information. I have in writing her lies and the actual proof that she lied. The second administrator was rude and every time I spoke to her she always acted like I was bothering her or putting her out. Is it too much to ask that someone actually does their job Then when they denied my claim they sent me another letter detailing why it denied. I appealed it and pointed out the incorrect facts that they had. They denied it again but this time a whole set of incorrect facts came up again. If you are going to deny my claim thats fine but do it with the correct information. When I called them all they said was that they werent going to do anything b/c I have only one appeal even if it is their mistake. The funny thing is that I have all of their incompetence in writing and they still dont care. Probably because they know that they have no repercussions for their actions. The bad rep that insurance agents have is because of companies like Liberty Mutual. I would not be their customer if I had a choice."
Commented on 2011-06-22 16:30:28 EST
"Our company just switched to liberty mutual for short term disability. I had a claim and they dropped the ball. They paid me for 1 full week. The next week I was paid 40 of my wages for 1 day not 5 days and I was supposed to receive 60 of my wages BEWARE BEWARE BEWARE BEWARE BEWARE"
Commented on 2011-06-19 17:03:15 EST
"this is the worst company that i have ever given my hard earned money to. i could of set up a escrow with the premiums and came out better."
Commented on 2011-06-14 14:48:42 EST
"Liberty Mutual lowballed my stolen vehicle claim. After 6 months I have squeezed an extra 7 thousand dollars out of them...The Texas Dept.of Insurance is on my side, but they do not have the power to make Liberty Mutual pay more. Now Liberty Mutual blocked my IP address so I am no longer able to email them."
Commented on 2011-05-16 18:45:23 EST
"their ok if you never have to file a claim otherwise they only care about their bottom line"
Commented on 2011-05-03 11:22:36 EST
"First they had accidently canceled my auto policy instead of just dropping one vehicle that we had sold. Then about 6 months later I went to make my payment and granted it was 3 days late but that had cacelled my policy and refused to reinstate because they wont do it twice in one year. After all their mistake didnt count at all. Now I have been waiting for them to close out my homeoweners claim since January 22. and its now may and they tell me theyre not going to come out to get an estimate on my own and send it in. Fine this is what I did over a month ago and still nothing but my house torn apart from water damage not one fully functional bathroom in my house is months literally!!! This is totally unacceptable!!!!!"
Commented on 2011-05-02 09:02:24 EST
"The cost of their car and home ins. is triple compared to three other Ins. carriers"
Commented on 2011-04-29 16:00:01 EST
"I had stage 3 cancer and during my treatments it damaged my colon. So know I have no warning no feeling. While with libery they put me through so much and canceled my claim so many times. I had two of my doctors explaining in every detail what was going on all visits tests hospital stays ect their doc that never saw me said theres something I can do.they just cut me off. And was told if I win my ssd case I must pay them back. This sucks and Yes I won my case the judge I had was great. He didnt understand why I was dropped with all the records I had on my health. So before you go with them think twice there not worth it. "
Commented on 2011-04-20 09:46:32 EST
"Never insure with Liberty mutual,especially for home, they will send fraud contractor who will rip off your house and the insurance will pay them, you will have to find your own money to repair the damage...Never ever insuar with Liberty mUtual. I had two home and 3 cars insured with them and I have cancelled all of them They will not hear anyof your concern,they stand for their contractors"
Commented on 2011-03-31 16:32:08 EST
"I cancelled my Liberty Mutual Auto Insurance after 9-years. In 9-years we have never missed or been late making a payment. Auto bank withdrawal is the method of payment. Now we get a final bill for 250.00-plus, because they bill 45-days late. Firstly, an insurance company will not give you the insurance now and pay later. Secondly, I have verified 108 months of monthly payments of being on-time and never late."
Commented on 2011-03-21 11:11:39 EST
"Expensive"
Commented on 2011-03-06 11:35:02 EST
"never a problem"
Commented on 2011-02-23 11:19:50 EST
"Disability insurance purchased through place of employment is supposed to be in effect until age 65. L.M. does not follow SSDI criteria, makes their own rules as they go, does not follow recommedations of their own IME doctors and searches for any rediculous or devious reason to stop disability payments"
Commented on 2011-02-23 06:52:15 EST
"They have fought for more than 3 years trying to discourage me from medical treatment.liberty Mutual, all I can say is find someone else. "
Commented on 2011-02-22 18:46:36 EST
"Just contact the insurance board."
Commented on 2011-02-19 01:19:45 EST
"The lady that answered my call was rude, and very un-professional."
Commented on 2011-02-16 12:12:22 EST
"Been with Liberty Mutual for 33 years. This year 2011 my house burned. I have fought with them since, have had to hire proffessional to deal with it. 2 months later no results, no home, no money. Stay away from Liberty Mutual"
Commented on 2011-02-12 22:19:21 EST
"Tremendous availability to contact the company and get information...weekends, nights, etc."
Commented on 2011-02-11 06:50:41 EST
"terrible customer service"
Commented on 2011-02-10 16:18:23 EST
"I have had two accidents in the course of being insured with Liberty Mutual. One of them a hit and run accident. Liberty Mutual simply did not have the time to resolve my issue and I ended up paying my car repairs out-of-pocket. They simply take your money and do not provide any service."
Commented on 2011-02-10 12:26:24 EST
"My car was totaled while it was parked. Liberty Mutual was on top of the claim every step of the way. Extremely helpful, pleasant to work with. Offered great information. I received my settlement a few days after I signed the paperwork! "
Commented on 2011-02-09 15:51:28 EST
"lies lies lies "
Commented on 2011-01-21 21:18:26 EST
"Great rates! Great customer service, what more can you ask for. By switching to Liberty, I saved over $1k on both home & auto."
Commented on 2011-01-19 10:37:49 EST
"Liberty Mutual is very good at raising premiums and collecting payments. When a Policyholder has a what seems to be a legitimate claim they go to extremes to deny the claim. Even with a Public Adjuster you are waisting your time with this company. "
Commented on 2011-01-17 19:55:37 EST
"We are choosing to move our auto and home owner policies to another carrier due to continued increases in rates every single renewal with Liberty Mutual. We have been with them for 7 years without any claims nor any traffic violations. When asked about their rationale for continued increases in both policies we get: "you are great clients, but our company cost increase unfortunately and therefore it is passed onto our customers". Sad response for a company that profited in the billions last year!!!!!"
Commented on 2011-01-15 22:20:02 EST
"I have CANCELED my Workers Comp insurance with Liberty Mutual, due to excessive and time consuming audits, asking for the same information EVERY quarter. I am a small business owner, and I have wasted hours upon hours, trying to comply with their demands. The time and effort I have expended far outweighs ANY savings they may have offered. Even after I have canceled with them, I still get demands for audit compliance, and they refuse to refund (even pro-rated) any monies until I complete their audits for periods for which they are not covering!!! Avoid this company at all costs. Obtain your policies through ANY other vendor, and save yourself the headaches. Even if Liberty saves a few $$ on the bottom line, the time required to complete their audit demands will far outweigh any savings!"
Commented on 2011-01-14 11:56:55 EST
"prices seem to creep up"
Commented on 2011-01-11 03:03:02 EST
"I was lied to twice by two Liberty Mutual employees. Once regarding my paid thru date. Then with the balance owed to them. Liberty Mutual will not honor their incorrect info given to me on two different occasions. So many people do not have jobs and yet they employ people that do not know how to give simple information. Most unacceptable company I have ever dealt with."
Commented on 2011-01-10 20:44:36 EST
"The management of this company should be in prison. My LTD was denied even though the State and Social Security found me disabled and three doctors indicated in writing that I could never work again because of a stroke and diabetes and five other medical problems.. They have basically ruined my live by not providing the Insurance when I needed it. I have lost everything I have and have to rely on SS to live. I have appealed the case and because of ERISA rules there are no incentives for the Insurance company pay. In the meantime my family has no insurance and we have to borrow money every month to pay for medications. THEY ARE ONE OF THE WORSE INSURANCE COMPANIES IN THE COUNTRY WITH NO REGARD FOR CUSTOMERS WITH CLAIMS. If YOUR INSURED WITH THEM , GET OUT AS FAST AS YOU CAN. "
Commented on 2011-01-09 03:51:09 EST
"CHEEP, Chiseling bastards! Offered a 75% liability settlement, when 100% was legitimate. I will postulate that they do this....A LOT. Writing to Insurance Commissioner, and Attorney General."
Commented on 2011-01-02 17:35:48 EST
"Horrible! Claims representative never returns phone calls, horrible attitude and information. Stay away from this company"
Commented on 2010-12-24 12:52:04 EST
"not sure why, but rates seem to go up every year despite no claims filed on either home or cars and good driving records?"
Commented on 2010-12-21 21:20:46 EST
"Do not insure with Liberty Mutual,they are the worst!"
Commented on 2010-12-08 17:59:40 EST
"the worst insurance you can deal with always denie your claim no matter what"
Commented on 2010-12-01 08:41:04 EST
"After paying premiums on cars and homes plus an umbrella policy for over 40 years, when my house suffered hail damage, I had to deal with their "Catastophe Unit". And what a catastrophe. Full replacement coverage gave me a depreciated amount. Out of pocket repairs had to be submitted for reimbursement resulting in "begging" for my full replacement amount. I was told it had to be this way because homeowners would take the money and not repair their homes and have spoiled it for us honest people. That is not their decision. I in good faith paid the premium relying on their committment to good customer service and resolution of my damages. Adjuster was rude and profane. My agent does not return calls---got the impression from their office that this Catastophe Unit is regarded as very bad. Will decide what to do about renewing after this claim is settled. "
Commented on 2010-11-19 14:43:17 EST
"Claims were handled exceptionally well. Only negative, very pricy premiums"
Commented on 2010-11-17 12:15:48 EST
"I have group disability insurance from my employer & have been on short term disability since June & have received the best service. Rep has worked with me every step of the way, I now have to switch to long term & the rep has gotten the OK for that explaining everything even telling me about helping with SS disability filings if needed.I have worked with 2 reps & both have been great keeping me informed & always returning phone calls"
Commented on 2010-11-12 13:40:46 EST
"Hope they go out of business. They showed complete apathy for me and I was a twenty year customer."
Commented on 2010-11-07 11:57:36 EST
"This company is exremely difficult to communicate with and unreasonable. Audtors are inconsistant and fabricate untruths,totaly unqualified using no common sense."
Commented on 2010-11-04 10:19:14 EST
"I have short term disability with Liberty. I had to have emergency surgery appendicitis. Kept in Hospital over night. Went back for follow up visit with Surgon 9 days later had staples removed. Surgon put me out 5 more weeks no heavy lifting. When claim was filed. They denied and said I should have went back to work in 7 to 10 days. When my job consist of repetative lifting of 25 pounds or more. Doctor will not release early, Liberty will not pay for weeks out of work. That is the reson I took out STD in case of emercency. Now Im broke and my Claim Rep. Got attitude because I complained higher up she is never there and doesnt return calls. So she denied claims. Filling app. This is the worst company Ive seen. Going to report to Better Business Bureu and every one else I have to. Buyers Be Ware..."
Commented on 2010-11-02 11:37:59 EST
"If you have a cabinet and the bottom got soaked in the water. Liberty Mutual would expect you to remove the "bottom part" of the cabinet and keep the top portion "in tact" and slide a new bottom in and finish the job. Do you believe that? What kind of contractor would do a job like this? And how can the cabinet look as if never repaired."
Commented on 2010-10-26 18:02:32 EST
"We have had several auto claims that were handled extremely fast and fair. We also had home damage from Katrina. Again, the service and claim was processed extremely timely and very fairly. Over 20 years as a customer and I have no complaints on service. The premiums going sky high are my only issue!"
Commented on 2010-10-25 12:38:35 EST
"Liberty Mututal gives a run around when a claim was made, over a month and no results, but an investigation to our family ... i call it b.s. and not wanting to help us"
Commented on 2010-10-22 16:12:30 EST
"I just saw a television ad for Liberty Mutual which said that it is the insurance company that "does the right thing." That prompted me to write this review. After 16 years or so of having Liberty Mutual as my homeowners insurer Liberty Mutual dropped me as a customer. Why? Because I did not want to sign up for their auto insurance. That was it. The right thing? They should be barred from doing business."
Commented on 2010-10-19 19:53:45 EST
"They dropped up because we purchased a 123-yr-old farm house that needed a little work."
Commented on 2010-10-14 10:32:46 EST
"Car was stolen and recovered, with $3K in damages. Prompt, efficient response to claim. Paid rental car, tow, body shop. Even detailing, as the crooks had beer and drugs in the car! Very good customer service. "
Commented on 2010-10-11 09:43:04 EST
"I had full coverage on all my vehicles. First claim was when a tree limb fell and hit one of the cars. Liberty Mutual wanted to total the car instead of fixing it when there was absolutely nothing wrong with the car except the hood damage! When I refused, they turned me over for a fraud investigation! The next incident was when a rock hit the oil pan and damaged the engine. Even though the mechanic showed them the oil pan and explained everything to them, they insisted upon towing the car to their own shop for a second opinion. Well, of course, they refuse to pay the claim because they say it was from normal wear and tear and now I have to pay $295 diagnostic fee for their second opinion and $5 a day for storage to their shop for the time they had my car there and I have to pay to have the car towed back to my shop!!!! These people are outright crooks!"
Commented on 2010-10-09 12:43:30 EST
"I had a massive seizure ont e job and 2 months later another reoccurence. Liberty Mutual was there foe me and my family. The process is tedious, but they are doing their best to make sure all the paperwork is correct. My case worker is a wonderful person and truly a "GODSEND", because he was very up front and honest with me and we work as a team to get my case completed. For me he put my mind to rest, because I have been through a lot and I am still going through more, but I am blessed to have such a wonderful person and company supporting me. I hope this helps whom ever reads these comments. Always remember it is a team effort and communication goes a very long way. Thank you!"
Commented on 2010-10-07 14:05:01 EST
"Predatory practices: initial premium small, but it grew over 120% over 4 years."
Commented on 2010-09-25 22:41:03 EST
" disability sucks"
Commented on 2010-09-16 12:27:34 EST
"I was told that because I filed a homeowners claim with a different company 8 years ago that Liberty Mutual will have to hold that against me for 5 years and then I was told 7 years and now I look at my renewal and it went up $200 a month. I never filed a homeowners claim with this company. I am shocked. My home is worth $150,000 and I pay $917 a year for what? I was told if you go with a huge company you will get screwed and guess who is getting screwed. This company raises your premium if you have a driver in your home under the age of 25 and raises your homeowners insurance just because. DO YOUR HOMEWORK AND GO WITH A SMALLER COMPANY LESS HEADACHES AND BETTER CUSTOMER SERVICE. Looking into different company. Not worth the headache."
Commented on 2010-09-12 09:16:00 EST
"Fair pricing and fast claim servicing."
Commented on 2010-09-11 08:40:17 EST
"I have been with Liberty Mutual since 2004. I have 3 autos and 2 homes with them. This year I filed my first auto claim. I was very pleased with the ease of the entire process. There was no issue with my rental car which I had for 2 weeks and everyone kept me informed through the process. Eventough it later determined that the other driver was uninsured. My car looks and drives great! I am currently dealing with fire damage to my home which has rendered it uninhabitable. I can not be more pleased with how prompt the adjuster responded and has been in constant communication walking me through the process. I hope this treatment continues because I am very, very pleased so far both auto and home claims department so far. Maybe I am lucky, but everyone at Liberty Mutual has been absolutely. They did have the lowest prices!"
Commented on 2010-09-09 17:24:38 EST
"Been with this company 25 years, filed 2 "totaled" auto claims and also homeowner claims. Very prompt on all claims, adjusters came out right away. Checks in hand within one month if not sooner. Having 2 teen boys, I compared rates & they came in least expensive and work w/me to give all possible discounts. Great company, would highly recommend!"
Commented on 2010-09-09 13:43:25 EST
"Premiums rise every year, even though value of my car decreases."
Commented on 2010-09-08 08:19:35 EST
"They are good at taking your premium payments but when it comes time to pay claims it appears to be a strategy of "delay and decline." "
Commented on 2010-08-27 08:27:18 EST
"I was in fault of an accident and Liberty mutual refused to pay for the damage I did to the other party. Now the other party is suing me. If you have Liberty Mutual you have no insurance. Beware! "
Commented on 2010-08-23 03:26:44 EST
"I have filed a short term disability claim and was denied. Even after 2 of my doctors. Yes 2 of them advised that I am not able to return to work until they feel that I am better. The agents are hard to speak to, When you actually get to talk to a person. BEWARE THIS IS AN AWEFUL COMPANY. And I have had fellow co-workers that suffered from very bad conditions and they were denied as well. This company I feel is a racket they have no problem taking your money but when you get ill and need your short term forget it. "
Commented on 2010-08-13 07:08:27 EST
"It is very sad that to find out after 12 years how you have been ripped off by this company. We had a water damage which costed us around 5000 dollars. When we called, the company recommended that we do not file a claim to avoid premiums from going up. We took care of that damage. Now, we raised a claim for our roof due to hail damage. 2 contractors checked and confirmed that there is hail damage. But the adjuster from liberty mutual is refusing to admit this and denied the claim. Other houses in our neigborhood have been approved even though they has less hail damage than us. This after paying for 12 years hoping that they will take care if and when you have some damage. What a shame!. We should sue such irresponsible companies."
Commented on 2010-08-12 16:00:50 EST
"Long term care insurance great"
Commented on 2010-08-08 11:44:52 EST
"Very slow in responding to an insurance claim. "
Commented on 2010-07-27 14:33:09 EST
"Next door neighbors had their roof replaced after a hail storm but Liberty Mutual adjustor said my roof is fine."
Commented on 2010-07-27 13:56:38 EST
"expensive"
Commented on 2010-07-24 13:03:18 EST
"After finding my car unable to start, I called Liberty Mutual Roadside Assistance. I specifically asked if the car would not jump, would I be towed. I was told up to $50. Roadside Assistance came to jump my car. The battery was unable to be jumped. The tow truck driver left me standing w/ Liberty Mutual on my phone approving the tow! I had to initiate another call to Liberty Mutual Roadside Assistance. What a costly business model! And shame on you for leaving a customer stranded!!!"
Commented on 2010-07-13 14:24:55 EST
"Rates spike extremely high after the low quote to get you to sign up."
Commented on 2010-07-12 12:09:57 EST
"This company is the GREATEST insurance company out in the industry. I had a glass claim on my SUV, they had he contractor come out to my work and replaced the windshield in the parkinglot. Did not have to miss time from work or travel far away. They have a huge impact in the South Bend area, the customer service center here is alway helpful and knowledgable. The employees have a local club that is ran by the employees and they donate to area charities like Ameican Cancer Society and Red Cross. I can tell why they are rated as one of the best companies in the USA!!!"
Commented on 2010-06-23 16:31:00 EST
"they low ball you with a rate as a new customer and then raise your rates there after."
Commented on 2010-06-18 12:12:47 EST
"Dealing with this company was a total nightmare. It was one delay after another. It took 2 months to get my vehicle repaired, when it should have been about 3 weeks. They had to authorize each step of the repair process and it would take them 3 days each time. The other vehicle had Progressive and they were wonderful to deal. "
Commented on 2010-06-15 09:07:48 EST
"The claims department is absolutely horrible. You should expect to not ever receive a response from your claims representative. "
Commented on 2010-06-07 11:08:08 EST
"Liberty Mutual turned out to be just another bunch of crooks. I have had car insurance with them for over 20 years, and home insurance for over 7 years. I have never filed a claim on either a car or the house, but every year my rates (car and house) keep going up and up while the value of my car goes down and down, and the value of my house is depreciating due to the current real estate meltdown. I guess somebody must foot the bill for their lavish employee christmas parties and bonuses every year."
Commented on 2010-06-01 15:13:37 EST
"The house i rent was broken into about a month ago. ALOT of items were taken. The total was about $13,000 worth. electronics, flat screen tv, high end camera, and many other items. the police were called out, did a report. following day i called Liberty to file the claim..one word, "SLACKERS"..The first adjuster i spoke with over a two week period, kept giving me contridictory statemens..first i was told the the police report was ordered on the same day i filed the claim. later, the guy told me he STILL has to request a police report ( that was the 2nd week)..on the 4th day of the break in, i was told all items were being entered into a database for "valuation" purposes, 2nd week i was told they are still waiting to do that!!! so again, everything told to me was being contridicted. i eventually demanded after the 2nd week for my claim to be re-assigned to another adjuster. It was, and that adjuster called me and told me it was sent to the SIU ( special investigation unit) and an "investigator" would contact me and schedule a time to come out and interview me and record the statement. we are now in a month of the break in. the investigator came out, took a recorded statement, asked for my income information , where i work, how much i make, wants to do a credit check. a few items were paid for in the past with cash being that i shop alot off craigslist ( no one selling anything off craigslist takes credit cards)..so the investigator told me, "do you always walk around with a couple hundred dollars in your pocket???".. i AM the victim, yet they treat me like the criminal. they cannot give you answeres. He asked for things i have allready sent in to the FIRST claims adjuster, now he wants me to send them to him. i told him then i could give him copies/files/reciepts but he didnt want to cary them, rather, he asked me to just mail them to him..CONSTANT stalls with this company..so again, it has been a month now since the break in, and im still just as clueless as i was the night of the breakin as to where the claim is! 3 reps i have dealt with with liberty are NOT nice, there never sympathetic, always short..when i email them a question, when and IF i get a response to the email, its usually a one word answere, not profession greeting in the email, no closing with there name, nothing, just a one word answere..steer clear of this company!!!"
Commented on 2010-05-29 09:41:12 EST
"Deceiptful practices and general uncaring responses make my insurance w/Liberty Mutual one of my largest lifetime mistakes. Caried this insurance company for 32 years."
Commented on 2010-05-27 16:45:41 EST
"The claims service was fast and they were very compasionate. I am totally impressed with my agent and the claims service. "
Commented on 2010-05-25 23:14:35 EST
"Liberty Mutual adjusters completely ignored the repair quotes obtained from professionals to make my home liveable again after a water pipe burst and water ran through my home for 3 days while I was out of town. The adjuster tried to bully us into accepting his estimate for repairs rather than the company we hired--also wants us to keep wall to wall carpet that was underwater for 72 hours and claimed it is now stronger for having been wet! This relatively simple claim has turned into a nightmare which has not been resolved for weeks after the initial damage. Our home has not been useable pending the adjusters report and we are now going out of pocket to make repairs and attempt to recoup them from Liberty Mutual later. This company has no qualms about collecting years of premium payments but when one finally needs to file a claim they treat their customer like a thief. What a dissapointment."
Commented on 2010-05-25 13:40:30 EST
"These guys paid all our claims over the years in a timely fashion. Once we were burglarized and we got money before we could even prove the value of the loss."
Commented on 2010-05-20 18:04:00 EST
"While their monthly payments were much higher with lower BI and other allotments for accidents compared to at least Progressive Insurance, I have had Liberty auto for the past 25 years and never had problems with them. They paid promptly, paid generously and their customer support was impeccible. I never had a problem receiving payments or with any issues along the line. However, due to the loss of my current job, I am seriously considering going with Progresive! They have a good customer rating and they are almost 300.00 cheaper per yr., with higher deductibles. I can only hope their claims are handled as well as Liberty. I will miss my old company because I amused to them and they are great all around, but when you have to cut costs, you have to!"
Commented on 2010-05-19 21:10:06 EST
"i had a simple glass claim as my windshield was damaged by a rock. my desire to fix the car at the dealership where i normally service it (and where i dont have to wait for the parts and where i get a free loaner car) was initially supported however the amount that dealership was asking exceeded the amount that Liberty Mutual (LM) was willing to pay. no luck. LM suggested a different glass shop in my area and set up work to be done at that shop. the shop promised to call me once they receive the windshield from the dealership and they simply never did. every time i called the shop i was told that the windshield was ordered but have not yet arrived. eveytime i called LM i was told that there was nothing i could do but wait. they however recognized that it was illegal to drive with the damaged windshield. i was waiting for 3 weeks and finally called the dealership myself, found out that the windshield was readily available and ordered it myself. then i called a different glass shop to pick up the windshield and install it. all this took 2 days. after i called LM and complained to them about poor handling of the claim they said there was nothing they could do but reimburse me for the work minus deductable. when i suggest they waive the deductable or lose the customer i was told good bye. needless to say i am not planning to deal with this company again."
Commented on 2010-05-18 14:59:33 EST
"this is a perfect insurance company. never had any problem with them. coustomer service is perfect."
Commented on 2010-05-12 06:48:52 EST
"Our vehicle was stolen out of our driveway and not recovered. Liberty treated us like we were the criminals. In the first few days, their customer service was quite good (rental car set up, paperwork delivery, etc). When it came to to recover our loses beacuse the vehicle had not been recovered, everything changed. Their initial offer was less than fair trade-in value (their own documentation states they pay replacement value) and we had to fight to get reimbursed for items that were specifically scheduled on the policy. After several months of telephone tag, unreturned phone calls and the threat of us retaining an attorney we finally received reasonable payment for our vehicle. I had been a customer of Liberty Mutual for nearly 10 years. I will never use their services again."
Commented on 2010-05-10 09:24:14 EST
"I have a car rental coverage as part of my insurance package. Full rental car coverage was denied by Liberty mutual for no valid reason. Tried calling the representative handling my case, she never answers my calls. Had to make several phone calls to follow-up, and when I got her on the phone, she had promised to call me back - no calls were returned. I am swtiching to another car insurance company when my contract is over. "
Commented on 2010-05-03 14:44:59 EST
"Liberty Mutual has been a great insurance company with the exception of the pricey premiums I pay. I have both home and auto policies with them and have recently discovered that I am paying about 45% more than I could be with other reputable insurance companies. "
Commented on 2010-04-27 10:17:22 EST
"Would not recommend to anyone. Their boasts about their quality which they say they are knowfor is just BS and this doesnot justify their ridiculously high premiums which they charge. i made a mistake of sticking to this company for yrs.."
Commented on 2010-04-22 18:12:56 EST
"very stupid adjustors ,, does not even try to help others. their phones are always on voicemails. I think these guys dont want to talk to customers. NOT AT ALL PROFESSIONAL. "AVOID INTRACTING WITH LIBERTY MUTUAL" "
Commented on 2010-04-21 13:17:12 EST
"Homeowners insurance rate increased from $365 annually to over $1100, which was paid through my house payment. When I finally called to question why, they lowered the rate to $650. Never answered the question as to why I was paying so much in the first place...just claimed they could give me a better rate. I have been with them for 20 years, I feel raped."
Commented on 2010-04-12 19:50:51 EST
"Homeowner insurance provider for over 10 years and denied my claim after Hurricane Ike. Provided no funding although my assessed damages are more than $100,000. The insurance company cannot find the hole in the roof where the water came in. I have a flat roof and they looked for missing shingles. They overlooked all of the exterior and interior damages from the storm. I am suing them in court."
Commented on 2010-04-02 21:28:57 EST
"With Liberty Mutual for Auto & Home, more than 25 years, we did not even file any claim and get no tickets & accident, the premium keep going up. I will switch to other Co. to save $848/year!!!"
Commented on 2010-03-25 19:42:46 EST
"Shame on you Liberty Mutual I have been a customer for 20 and you cancell me because I live in South Florida. This company should not be allowed to see any insurance in Florida if it can not cover Homeowners."
Commented on 2010-03-24 08:12:19 EST
"I have had a workers comp claim for over a year and they have been very uncooperative, argumentative and not helpful at all. I have to call many times to leave a voice mail and they never call me back. They also switch claims people and do not notify you. When you are dealing with medical providers they have the previous claim persons name and phone number but then you find out your claim person has changed. It is like the cat chasing its tail. My employer did not renew with this company because they are not good to the injured employees."
Commented on 2010-03-20 11:32:18 EST
"liberty mutual is a big joke.The job had ltd insurance with liberty.They try to stop your benifits every 3-4 months.They act as if they are the only ones with good sense.They stopped my benifits before I was approved for ssd, stated I was not disabled,then wanted all of lump sum payment when I became approved.Before my approval for ssd I had filed an appeal,never heard from them on the appeal(filed Nov.2007).as far as I know the appeal is still pending(HA!HA!).Liberty Mutual is a terrible company."
Commented on 2010-03-19 17:58:43 EST
"They refuse to cover right off the bat and talk in circles. They would not cover a problem of 2 wks old, saying it was an "existing" problem..........it took them a week to even come to check it out. DO NOT USE LIBERTY MUTUAL !!!!!!!. First they told us they were secondary insurance and then changed their story. They are not out to help you !!!!!!!!!! "
Commented on 2010-03-17 22:27:18 EST
"They are always very friendly and very understanding of your personal situations. "
Commented on 2010-03-11 14:22:35 EST
"I have been with liberty mutual for over 20 years I had a flood in my basement they tried to refuse my claim until I actually had a screaming match with them. Now with the 3 feet of snow and ice on my roof it took off the entire top of the shingles to the point of holes now into the black matting they are refusing to fix this now. I will change companies"
Commented on 2010-03-07 13:03:11 EST
"I assisted a relative in her claim after an auto accident. The claims handling was horrible. I rarely received calls back and when I did the person was clearly so busy that she had no time to review the file. It was clear that this company is not investing in its employees. "
Commented on 2010-03-01 16:02:56 EST
"I have had no claims and yet today I received a 33% increase in premium."
Commented on 2010-02-26 08:53:46 EST
"They send their semi annual renewal letters one day before the due date with the payment due two weeks after. Then if you cancel for another company, they expect payment for the two weeks! Try for a company that will send renewal/semi annual payment letters before two weeks before, not one day, payment is due. Payment should be due by the day, not after, thus avoiding confusion by the customer."
Commented on 2010-02-23 09:32:44 EST
"Had a thief come in and steal tools, equipment and other items while we were away, Liberty Mutual hired a big gun lawyer to go after me, Keep in mind our family was the victim here. This has been going on for over a 16 plus months and they have been real secretive about my claim. I will do whatever it takes to let all I know, that they need to take their business elsewhere. "
Commented on 2010-02-21 18:09:42 EST
"It took over 7 months to finally get an straight answer about the repair in my house that was hit by a lightening in July 2009. Finally, they sent me a $3,464 check for a $55,000 claim. This without any explanation. I definitely not advise this company to anyone specially that another friend has a similar experience with this comapny."
Commented on 2010-02-18 09:37:30 EST
"I added my 16 year old daughter to our auto policy and our monthly rates DOUBLED! They said it was due to her inexperience. They would not rate her on the oldest vehicle. Their policy is to rate them on the NEWEST vehicle. This was part of the reason for the increase. I have been shopping around and everyone else rates her on the OLDEST."
Commented on 2010-02-11 12:17:19 EST
"Customer Service is TERRIBLE. There are a lot of hidden fees. My rate was increased after less than a month. They contacted me about my signature page 3 times, my EFT forms twice, and my inspection form once. I mailed every form in just the way they asked and they contacted me with threatening letters and e-mails saying they would cancel my service if I did not send them in. Then they charged me a 25 dollar fee for sending a cancellation notice to me when it was their mistake to send it in the first place. They are cheap but NOT WORTH THE HASSLE. "
Commented on 2010-02-09 21:14:29 EST
"They tried to raise my rates substantially last year. I called; they re-ran them, and it was substantially less. This year they raised them again (no claims either year); this time they will not lower them. I did have one claim ~3 1/2 years ago; service was excellent."
Commented on 2010-02-05 10:53:50 EST
"Rates are very high. "
Commented on 2010-02-02 18:01:52 EST
"I just recently switched to liberty mutual and on top of saving almost five hundred dollars a year I was very impressed with the level of service. Everyone is very polite and courteous and I was impressed across the board! A++"
Commented on 2010-01-23 08:22:29 EST
"My auto rates went up once but have went down every year for the last three years. You must be pro-active in having your agent re-run your quote at least once a year in my view."
Commented on 2010-01-22 18:49:19 EST
"they will refuse to pay for surgery, to save on money then they will pay off the case."
Commented on 2010-01-19 08:06:39 EST
"Stands strong for the customer...did complete homework...and was well prepared before settlement. I strongly recommend."
Commented on 2010-01-11 15:33:12 EST
"I have had Liberty Insurance for over 13yrs. We no longer with them since last year and now encountered to deal with a claim aaainst them and takes foreve. I have filed few claims against other insurance but this Company is so POOR in dealing with the time. Agent been on vacation & expect to received a form before she goes on vacation as she have told me, but did not received until after 5wks from the time she went on her vacation. Payment to provider takes long too. I have sent her email but never get a response. Make phone calls but hard to reach and when get hold of her, always new stuff come up needed which never mention from the last conversation. Oh well, they collect premiums for your coverage on time but not on paying your claim. I am on my 4th month waiting to get my claim done, which i believe she still hav not finish requesting records yet as she never send payment to providers for requesting records to be release to her. I guess this is their way of keeping their money on their hand. The longer the process it takes, the longer they will keep their money on hand."
Commented on 2010-01-02 14:01:42 EST
"Liberty Mutual INSURANCE ... They take forever to pay off a settlement. Even if the case is being paid in weekly payments from being hurt, good luck trying to get the payments that you are owed (oh sure they will back pay ) when a proceeding is getting ready to happen / then they will go back to not paying what they agreed to in the first place. Research the tactics of this company its mind boggling they are still in buisness! **Dont waste your time with Liberty Mutual!"
Commented on 2009-12-19 18:43:59 EST
"They lie, never return your calls and deny any claim no matter what the case is....Do not trust this company, do not assume that your protected just because you bought and paid for your policy, They will find a way to deny you and or hold off from paying your claim "
Commented on 2009-12-02 14:30:51 EST
"i have been disabled due to severe depression bi-polar diorder, fibromyalgia, chronic fatigue syndrome, i cant afford any meds no money and ofcourse liberty mutual,denied my short term they allowed for 1 month they now said there case nurse looked at it and over rode the dr.! wow i neverknew a nurse had the athority to do that!the nurse said the dr. is not trying to cure me!HELLO THERE IS NO CURE! IN THE MEAN TIME WE ARE SUFFERING!WHAT A BIG BUNCH OF LIARS!!!AND SPECTRUM HEALTH WORKERS THIS IS WHAT YOU GET FROM YOUR BENIFITS!!"
Commented on 2009-11-11 14:34:57 EST
"Always available, caring, informative staff. Highly recommend."
Commented on 2009-11-04 21:21:36 EST
"Poor customer service, Rude adjusters "
Commented on 2009-11-03 20:06:17 EST
"I purchased private long-term disability insurance through my place of employment, never thinking that I would use it. I became disabled due to an Motorcycle accident; and suffered from multiple injuries that impacted my ability to work. I was on STD and had no problems with the disability insurance. When I transitioned into LTD, Liberty mutual became a thorn in my rear. Constantly threatening and attempting to intimidate me. They would send my doctors forms without my knowledge, in which the forms were bias. The forms would state on a scale from 4-10 how much work can I do, with 4 being moderate work, and 10 being maximum work. I had a doctor who fell for it and sent me back to work. I really just despise how this company treat their customers, they have made me sicker with their tactics. "
Commented on 2009-11-03 00:43:28 EST
"They never pay and are extremely rude and They are very sneaky.Do yourself a favor and stay away from them."
Commented on 2009-10-30 15:27:44 EST
"When one of our cars was in an accident, they responded quickly to determine the car was totaled and then gave us a fair price for it. All this took less than 3 weeks."
Commented on 2009-10-30 11:04:26 EST
"We were some of the "IKE" casualties. LM was outstanding to work with, and paid the claims in a very short period of time."
Commented on 2009-10-30 08:13:40 EST
"maybe a little more expensive, but when you need them they are there to help. "
Commented on 2009-10-22 15:21:34 EST
"Workers Comp claim. Filing a complaint with the Texas Insurance Commission. Adjuster and Supervisor did everything possible to mislead client."
Commented on 2009-10-19 10:54:02 EST
"Denied the claim after I was hit and injured by an uninsured drunk driver."
Commented on 2009-10-12 19:10:38 EST
"Very quick and helpful !!!!!"
Commented on 2009-10-08 19:35:25 EST
"despite what I have read here, I hit a steer last year with my Jeep and Liberty Mutual provided excellent service with one of their approved shops and they took care of everything including the rental. I have my insurance through my college alumni association and this might be the reason. I am very satisfied. "
Commented on 2009-09-29 14:28:35 EST
"I had an active policy with Liberty Mutual for over 10 years. A deer ran out in front of my car and they canceled my insurance .....just like that. I first claim ever."
Commented on 2009-09-21 15:12:59 EST
"I was hit and injured by a Liberty Mutual client. They were very difficult to work with and 2 years later still have not paid for my injuries. We have renters insurance (for my college age son) through Liberty Mutual and today I cancelled it. After my experience with being an accident victim and receiving no payment and reading these reviews I can only assume that we would get more of the same treatment if we had a claim. I am afraid to stay with them and just refuse to give them any more of my money"
Commented on 2009-09-17 15:53:08 EST
"I was injured in my place of employment and required a revision to my right artificial knee. They have not paid any of the bills related to the surgery for they claim that the cause of the injury has not been determined (I tripped on some hoses left on the floor. Rude, arrogant and demanding of every little detail concernig medical history.This is the WORST treatment that I have ever experienced. Liberty Mutual is no good --- stay away!!!"
Commented on 2009-09-17 15:32:13 EST
"No real customer service. 2 1/2 weeks after an accident that incapacitated our car the adjuster still had not seen the vehicle."
Commented on 2009-09-08 21:18:31 EST
"Terrible. They always cancel appointment, delay processing. Stay away!"
Commented on 2009-08-29 10:48:18 EST
"I was in a hit and run accident April 11th of this year. I notified Liberty Mutual of the accident due to the other insurance company not contacting me in a timely manor. In a nutshell. The claims people in Sacramento CA called me a Lier, said the accident never happened the way I described it. Even with a police report and witnesses. Would not honor an extended policy on my car. And insulted me on numerous phone calls. Up until a letter was written to the CEO, and to the Calif Insurance commission, did anyone call the witnesses or move to fully look the car over. And Liberty continued to refused to fully make things right. I have been with Liberty Mutual for 15 years, and after this incident will be looking for another Insurance Co. Liberty Mutual falls far short of their mission statement. Avoid this company."
Commented on 2009-08-21 15:37:14 EST
"get another insurance company right NOW.Liars unfair"
Commented on 2009-08-19 11:14:37 EST
"They penalize when you file a claim. Absolutely horrid customer service."
Commented on 2009-07-30 10:19:34 EST
"After no accidents...no traffic violations...a perfectly clean record, the second year they increased my premium 25%, on top of that they significantly increased my home insurance as well. They are cheap the first year but even if you stay clean they increase the rate like a credit card after the promo rate expires!"
Commented on 2009-07-28 00:23:24 EST
"rates are much higher than all other companies."
Commented on 2009-07-20 09:05:31 EST
"These ****** destroyed my life! I was in a car accident that I was not at fault. my medical bills was over $50,000. The bastards canceled my policy and would not pay any of the bills per our contract. I had to file for bankruptcy, my doctor refused to see me since I did not have insurance and my life was destroyed! Liberty Mutual is a horrible insurance company - STAY AWAY THEY SUCK !!!"
Commented on 2009-07-18 14:49:44 EST
"Liberty Mutual does NOT pay claims,they fight with you until the statute of limitation runs out on the claim."
Commented on 2009-07-14 19:28:28 EST
"After a fire the adjuster accused us of not having the items we claimed in the structure. After proving to him with receipts and photos, before and after, that everything was there, they said it was too much and they wanted to investigate our financials. After giving them more info than they asked for, they said we had failed to comply with their requests. We are still messing with them and will probably have to get a lawyer involved. This is after being with them for over 25 years! "
Commented on 2009-06-23 16:01:36 EST
"Out of the blue Liberty dropped my umbrella policy, no notification sent, agent never caught it--I went a full year w/o personal catastrophe before I caught it at normal renewal time. As well, it took many months to get a condo policy terminated, as I had sold the property. ETC."
Commented on 2009-06-18 16:23:53 EST
"drastic increase even after having a clean no accident driving record"
Commented on 2009-06-15 11:51:15 EST
"Added earthquake premium to my coverage without my approval. Countrywide did not pay the premium through escrow. Liberty Mutual did not notify us of the cancellation and cancelled two months before a home fire. Increased premium without approval and cancelled due to non-payment of premium."
Commented on 2009-06-09 21:10:31 EST
"Liberty Mutual is the worst work comp insurance carrier in the usa. "
Commented on 2009-06-04 11:32:49 EST
"Liberty Mutual as an organization is disoragnized and greedy. They took money out of my account before they ever gave me coverage. They then changed their minds about providing collision insurance at the last minute and I had to scramble to go with a different provider before I was left without insurance. To top it off, it's been over a month and I have yet to be refunded after cancelling my policy. They now claim they are sending a paper check, depsite them having directly taken the money out of my checking account to begin with. I am so shocked at how they take advantage of their customers that I will never do business with Liberty Mutual again."
Commented on 2009-05-11 13:56:24 EST
"i turned in a claim after a wind storm and the claim was denied. the manager of the ajuster i talked to said "just because you have a policy with us doesnt mean you house is completly covered". craziest thing i ever heard. dont go cheap, buy real insurance."
Commented on 2009-04-29 22:35:32 EST
"liberty mutuals claims service is the slowest and poorest service i ever had..."
Commented on 2009-04-28 15:39:44 EST
"Liberty doubled my auto insurance premium when I had door damage backing out of my garage on a 10 year old gmc jimmy (from about $750 to $1450 approx). This was an accident not involving another vehicle, on my private property,not reported to DMV since not required. HOwever, Liberty reported this to DMV, so now in collusion all Florida auto insurers have about the same doubled rate for me when I try for another quote. This is a scheme to soak the consumer by the insurance companies working in unison. They did pay the repairs after a long wait, but I will end up paying the repairs with the increased premiums. So, why have collision or comprehensive coverage if it is not really insurance?"
Commented on 2009-04-27 11:35:49 EST
"Liberty Mutual Sucks"
Commented on 2009-04-27 11:33:41 EST
"I have had several glass claims. All settle satisfactorily. Also two collison claims. They were samall but settled profeddional and according to policy. When rate hike came I complained and they re-rated the policy reducing the premium to almost the old rate."
Commented on 2009-04-21 17:18:41 EST
"They are very unhelpful and treat you like trash , I should have realized that any insurance company is only as good as your first claim !!!!"
Commented on 2009-04-20 16:05:52 EST
"It has been 4 months and I am still waiting for my check. Had to go to court and won and I still have not received my check and its been a month since I won in court! Liberty Mutual has been nothing but a headache! I am struggling to get by and waiting for my check and it seems like it will never come! Don't get Liberty Mutual!!! Those awesome commercials are not true!!!"
Commented on 2009-04-17 13:41:25 EST
"Had to get a Lawyer before Liberty would pay my claim."
Commented on 2009-04-11 14:19:48 EST
"Fast claim service with no hassle. Been with this company for 23+ years."
Commented on 2009-03-26 20:51:01 EST
"I was out for disability in order to get a cancerous mass taken out and although my doctor gave clear instructions on what the recovery time was. They still denied me! They do everything in their power not to pay."
Commented on 2009-03-25 23:05:14 EST
"My husband and I have had auto insurance with Liberty Mutual for 30 years and homeowners for about 10 years. Customer service has been exellent concerning our homeowners claim following Hurricane Katrina. They did not raise our rates on auto insurance even when my husband was young and had three tickets on his record at one time or when our teenage son had an accident. They are by far the best company we have ever dealt with."
Commented on 2009-03-25 15:35:43 EST
"Very painful claims process."
Commented on 2009-03-23 14:23:11 EST
"This is the worst insurance company that I've ever had."
Commented on 2009-03-22 15:01:50 EST
"Rock Solid"
Commented on 2009-03-08 10:51:53 EST
"Liberty Mutual will do everything to avoid paying. "
Commented on 2009-03-03 13:43:09 EST
"The claim representatives in the auto department work very hard and answered all my questions. They referred me to my policy as to why they could not cover certain things. The ones that I spoke to were nice & friendly. "
Commented on 2009-03-01 19:59:22 EST
"My local agent is not so good but I receive exremely fast and efficient service when I call the 1-800 national number. I like Liberty Mutual, have been with them since 2004, and have no intention of changing insurance companies."
Commented on 2009-02-28 16:18:06 EST
"Would not pay. Pay lawyers thousands of dollars to save a dime."
Commented on 2009-02-23 11:56:44 EST
"I am still trying to end the nightmare caused by a fire in the house next door. Needed to contact the Insurance Commissioner to even get an adjuster to my home. It has now been almost 2 years. This company is so unbelievably bad that their first estimate of damages (1st of 4 and still counting) did not even list the correct number of rooms in my home (and I have a very small home.) TURN AND RUN THE OTHER WAY AS FAST AS YOU CAN!"
Commented on 2009-02-19 00:55:23 EST
"Company is only interested in their bottom line. Customer service is absolutely nonexsistant! I can't believe I had them as my coverage for 14 years. I filed a claim recently (not my fault), and because of their $1,000 price difference on the quote to repair I couldn't get any shops to do the work. I will never use them or recommend this company Liberty Mutual ever again! "
Commented on 2009-02-18 11:02:22 EST
"I've had Liberty Mutual since 1956 in 2 different states. I've had claims for home and 1 auto stolen and one went into the canal.Each time I received MORE than expected and so has my entire family over many years. They were quick in payments. I would recommend them to everyone."
Commented on 2009-02-13 20:57:00 EST
"They are not giving my sister the care she needed then cut off the benefits."
Commented on 2009-02-11 15:55:03 EST
"The forgiveness rule and insurance stacking options can come in useful."
Commented on 2009-02-10 23:11:32 EST
"I was rear-ended by someone and the car that hit me was insured by Liberty Mutual. They totaled my car but waited until 3 days before the statute of limitations was up to make a low-ball offer on my personal injuries. They never even got the medical records to evaluate the claim. I was forced to file a law suit myself and it was dismissed due to technical details like: the insurance company can't be sued, the insured is not the owner of the vehicle. All in all, it was a terrible experience and I was never compensated for the physical damage and scarring that I suffered. Would never recommend this insurance company. "
Commented on 2009-02-06 11:44:08 EST
"I have been a customer with them for 18 years,They dont know what the term customer service is much less how to spell it. They are extremely rude, don't return phone calls and will lie to your face repeatedly. The only thing they are concerned with is their bottom line. Beware of this company they have very slick tactics. I would not recommend to my worst enemy."
Commented on 2009-01-31 13:42:45 EST
"I have been with Liberty Mutual for over 8 years. Last week I called to see how they could lower my auto insurance premium. They told me they could get my premium down by about 30%. I was absolutely estatic. It was great news. The girl even told me my February payment would be in the new amount. After now hearing anything else from them, I decided to call them to be sure everything was on schedule, but this time they told me that there was a mistake and that the girl who gave me the quote, miskeyed which provided her with the wrong amount to quote me --Something about a divorce rate was keyed in (I am not divorced). Anyway, I spoke with the girl's manager and he would not budge and said they could not save me any money. I am very disappointed with Liberty Mutual for not sticking with their word. It is not the customer's fautl that they make mistakes, so why should we have to suffer the punishment. I am now going to take my auto and homeowners insurance elsewhere. I would NOT recommend Liberty Mutual to my worst enemy. Look how they treat their customers after 8 years!!!"
Commented on 2009-01-27 10:10:08 EST
"1)No follow-through (whatsoever) 2)Continually seeks medical information from patient – opposed to seeking medical information from care physicians 3)Always finds ways through loop-holes not to pay claim 4)I was on STD last year – was paid (after numerous attempts) 5)This year I had the same condition as last coupled with additional medical problems (denied claim twice) – Yet, I have documentation stating this is a life long and a permanent condition and so does Liberty Mutual. My physician faxed this to them last year 6)They claim to have a Disability Nurse review my file – if any nurse knew anything about prescriptions I was on which were sedatives. Taking a sedative alone would not allow me to work, nor drive. If I can’t drive how am I supposed to get to work 7)None of my claims were signed off by any medical physician 8)Since when do “so-called” nurses at Liberty Mutual rule over Doctors orders 9)They demand paperwork left and right – but, they take their time when it comes to review 10)I could go on and on – you get my drift – that’s why I hired an attorney…. I’m seeking my 4 paychecks and a HUGE BAD FAITH CLAIM for mishandling my documentation, stating they’ve contacted my physician and retrieved all notes (my physician stated – no one from LM has contacted them) 11)WORST COMPANY EVER – I’m forced to have them because I work for a company who contracts out to them! 12) Every one I've spoke with who has filed a STD claim, Liberty Mutual has the same excuse for everyone: We didn't receive all doctors notes blah, blah, blah....... "
Commented on 2009-01-27 08:32:18 EST
"I have been treated exceptionally by this company. There is no other company I would even consieder insuring with. My story is a long one, but this is a company that did the "right thing" by me and after it all and talking to a number of professionals did not have to. I will forever be indebted to them. "
Commented on 2009-01-10 19:46:28 EST
"Dishonest adjusters. Adjusters write deceptive reports of damages in support of insurance company. Anything necessary to deny paying claims."
Commented on 2009-01-07 22:15:22 EST
"Had company 20 or better years , daughter had 2 accidents ,in short I've been paying higher insurance because they had me as driver ,instead of my daughter found out threw another insur. comp.Called Company was put on hold to clearify ,30 mins on cell phone than hung-up.I'm so glad I don't have them anymore GOOD LUCK watch your payments compare with others there prices are VERY HIGH. Happy else where. 1-07-09 "
Commented on 2009-01-07 13:44:56 EST
"I have been trying to get a claim paid for an auto accident caused by Liberty Mutual's insured with no luck. They keep claiming they have had no contact with their insured but this is not true. The insured and I have not been able to get this company to pay on the claim of only $2400.00. Stay away from this company at all cost."
Commented on 2008-12-23 08:47:14 EST
"After 2 years of receiving disability benefits, they cut me off. I hired a lawyer, and 9 months later won my appeal. I received 10 months of benefits from the time of reinstatement, and they cut off my benefits AGAIN! Yes, I have once again hired a lawyer to get my benefits reinstated. Don't let them cut you off without a fight. My situation requires an ERISA attorney. There are only a handful in the state I live in. You must FIGHT FIGHT FIGHT!! Don't roll over without a fight. You only pay these lawyers once they win, and then it comes out of your back pay owed. The lawyers won't take your case unless they believe it's worth it. In my situation, IT"S WORTH IT!!! FIGHT FIGHT FIGHT"
Commented on 2008-12-17 19:45:25 EST
"worst insurance company in the world. Don't ever use them for anything."
Commented on 2008-12-09 20:44:00 EST
"they claim that I didn't send them papers that I did...I had copies of them and everything...guess what they are trying to say? that we owe over $4ooo.oo dollars because they said I didn't sign an exemption form for workmans comp insurance. I signed 3 of them in less than a year! they kept asking for them and I kept sending them...all to no avail apparently... this is the worst! company ever! I have never delt with a more horrible company"
Commented on 2008-12-05 19:59:08 EST
"I have had a long-term disability with Liberty Mutual and after 10+ years when I made a claim with documetation from my physicians, they assumed I was a liar and refused my claim. My advise is if you ever have dealings with Liberty Mutual, make sure you have the assistance of a lawyer as they will fight you as much as possible. "
Commented on 2008-12-04 18:28:39 EST
"My husband was diagnosed over two years ago with early stages of Alzheimer's and had to leave his job recently. He received eight weeks of short-term disability from Liberty Mutual. They have denied the last four weeks of his short-term disability and also denied his application for long-term disability, based on the findings of a neurologist in another state who has never seen or spoken with my husband. Ignoring the medical evidence and the diagnosis of an internist and two other neurologists, he decided my husband is just depressed or trying to get out of work. The insurance company has informed my husband that he is no longer disabled and can return to work. This is a man who cannot remember the day of the week or a conversation that took place five minutes ago. We are about to start the appeals process but I realize more and more that we are up against a powerful group that has been getting by with this for a very long time. Don't be fooled by the initial kindness. You are dealing with sharks. I, too, think a class-action suit might be the only solution."
Commented on 2008-11-30 17:10:48 EST
"Liberty Mutuals adjustor was crooked and left out THOUSANDS ON HAIL DAMAGE ESTIMATE.The company didnt pay final payment and I had to take them to court. This is a bab company."
Commented on 2008-11-24 15:52:19 EST
"one department does not know what the other department is doing. I have been hung up on, lied to and disrespected. I have been treated as if its my fault because the person whop hit me was uninsured. Liberty Mutual is not your friend in cases like this I suggest get an attorney and sue your own insurance company "
Commented on 2008-11-19 11:29:26 EST
"hurt on the job almost 9 weeks before therapy then not able to fie due to nerve damage to neck and spine now awaiting another doc appt with nerve spec. have had 3 different adjusters and have not received the first payment since out of work injured on 8-13-08 have partiaaly worked then let go because could not do my job any longer,have be declared disable by doctors and still no workmans comp check to help with bills , this is really unreal that they let this happen to people that have worked all there life without injury!"
Commented on 2008-11-18 10:36:33 EST
"Just trying to get a lousy milage check is impossible"
Commented on 2008-11-17 18:36:27 EST
"Liberty Mutual is promoting their RESPONIBILITY CAMPAIGN the only thing they have been RESPONSIBLE for is making me wait for authorizations for medical treatment every step of the way! Move over "GREAT BENEFIT"!"
Commented on 2008-11-13 12:27:16 EST
"A year ago, I would have rated these guys Very Satisfied. After my recent experience with them - that wasn't even claim related - they can kiss my ***. Liberty Mutual WILL NOT NEGOTIATE anything. It's their way or the highway. While getting homeowners insurance for my newly purchased yet 40 year old house, I voluntarily disclosed to the inspector that some of the home had aluminum wiring - something I had discovered while fixing an outlet. At the time, I expected this to cause an increase in my premium. Instead, I was flabbergasted to recieve a letter from them saying I had to replace the aluminum wiring within 6 months, or they would cancel my policy. Quotes to get the approximately 40% of my house that is still the original aluminum wiring replaced each came in at over $30,000! Instead of replacement, the two companies who bid for me recommended an approved process called Copalum, which bonds copper to the aluminum. It's the only process that's been approved by the same people who write the electrical and fire safety codes. That's still going to cost me around $5000, but I'm having it done in stages. When I approached Libery Mutual about this alternative, they basically told me to go to you know where. Six months of frusration with my agent and their underwriters left a bad taste in my mouth - even after pointing out that they would not only be losing my homeowner policy, but all the policies I have with them - my rental properties, all 3 of my cars, etc and that I'd been a good customer for the last 7.5 years, with only a single $2500 claim on one of my cars. Two letters to the CEO went unanswered in any form. After this debacle, I'm completely through with Liberty Mutual. I'm glad I never had to file more than the one claim with them. They are now one of only two companies I will never give another chance, and will spend the rest of my life bad mouthing - oh, and in case you cared, the other is American Express. "
Commented on 2008-11-12 22:51:25 EST
"LM is priced moderatly amongst its competitors however, they approch claims in a very combative way. In my instance I showed multiple appraisals of roof damage from huricane Ike which suggested the roof be repalced. LM brought in their own contractors to disclaim the 3 other bids I received. I was told I would not get any reimbursement and if something happens later file another claim. They would not negotiate or discuss alternatives. The entire incident took over two months from the time of the damage until closure. Very un-ethical and no a company I would want standing by to assist in a time of need."
Commented on 2008-11-02 20:08:28 EST
"Their rates are low because they do not honor claims. They take a long time getting claims adjustors out and after a very unsatisfactory experience, where a legitimate claim was denied, I am back to Statefarm. "
Commented on 2008-10-27 14:53:36 EST
"Homeowners policy kept going up each year even with my state employee discount. I never made any claims. I got insured from another company for 30% less."
Commented on 2008-10-21 13:42:05 EST
"My gandmother and my father had home owners isnurance with Liberty Mutual since 1979. All premiums were paid and claim was NEVER made. Recently, my father, who is age 85 missed a payment. When this was discovered we contacted the company. The company refused to reinstate the insurance.After being a customer for almost 30 YEARS I thouth that this was shoddy treatment. "
Commented on 2008-10-17 17:37:15 EST
"I do not have liberty mutual. I was involved in an auto accident with a driver that is insured by liberty mutual. Despite a police report and four witnesses stating the driver pulled out in front of me, they still have not made a determination of liability. My car was not drivable and was towed after the accident. 3 days later, I get a call from the adjuster stating that since they were probably going to accept liability they would move the car to a storage that does not charge fees. I was told they would call me back with the information a day later. It has now been another week, I have been leaving messages for both the adjuster and the investigator on a daily basis, and still no return call. I don't even know where my car is. I have progressive and have had to make claims with them, my claim was resolved in 3 days. I hope they treat their customer's better than this, but sounds like they don't. "
Commented on 2008-10-16 15:40:44 EST
"the company I worked for had liberty mutual for their workmans comp claims. when I first filed their wasn't many problems however they sent me to 3 different doctors, in addition to my doctor, to try and find one that would not agree that my employer was responsible for my ailment. all 5 doctors, which include mine recommended that I need surgery and that I may have damage so bad itmay not help? well they were paying for my treatment for almost a year and giving me income replacement. Then out of the blue without warning, they changed agents on me, then instead of sending me my paycheck, they sent me a notice saying that I have a new adjuster and she doesn't think I need coverage as my doctor filled out my time loss certificate wrong. they paid me 2 biweekly payments based on that certificate then a month later says it was wrong. I was then told that just because one adjuster felt it was adequate that doesn't mean she has to pay me based on it? I guess I will have to sue now as i haven't had my surgery yet? somehow she thinks I am cured by miracle?"
Commented on 2008-10-10 15:02:50 EST
"I Never have any home claim before. After huricane Ike, my roof was damage. It lost about 100 sheet of shingles all over 3 sides of my house. I stopped the leak so the ceiling was not damage as my neighbors. My condenser was ground after the electric came back. Liberty mutual estimated the cost for my roof is $900 (under my deductible). I got 3 repair quotes with the lowest is $1500. 2 other company suggested to replace the roof because the damage are over the place. I will hire independent adjuster to give me a right estimate. Beware with Liberty Mutual, they will find way not to pay you."
Commented on 2008-10-05 22:02:15 EST
"handled my claim in a very timely manner"
Commented on 2008-10-01 19:41:36 EST
"Storm damage...it's been two weeks and we are yet to receive a call from an adjuster. We've called repeatedly only to be told to take pictures and get estimates. Once this claim is done...we will be switching companies. We have been insured by them for about 10 years and had to file only one claim...an auto accident...not at fault...but they were slow to respond. They are a nigthmare company. I am shocked they are still in business."
Commented on 2008-09-29 09:22:17 EST
"Please do research, stay away from this company (liberty Mutual) in addition to the highly advertised insurance companies. for it appears the funds spent on advertising are the premiums paid by the insured, therefore, its likely they are wayward with attempting not to pay claims and make the already stressful situation (home fire)worse. The adjusters, csi investigatrs,(employees) etc. cover up there lack of intelligence, ignorance and incompetence with arrogance, rudeness. So there really not ignorant they are just incompetent. its a smoke screen.. "
Commented on 2008-09-27 20:41:30 EST
"rude and unprofessional claim handled in a untimely manner no communication, no responses to calls, difficult to get anyone to call did not look at facts or assess the situation had to fight to get them to come out altered the information told if unhappy, file a complaint words twisted around sent a unlicensed field rep to come out even agent did not return calls very consending very poor customer service "
Commented on 2008-09-19 12:33:47 EST
"They changed our policy without notifying us & then refused payment when we tried to make a claim. Sent us paperwork that showed we should have been covered, then said it was a mistake."
Commented on 2008-09-19 10:54:11 EST
"droping me due to a water claim that was doubled"
Commented on 2008-09-09 20:30:13 EST
"I have had two claims from storm/wind damage on my home. One was vinyl siding and one roof. Each was replaced and the work was both well done and professional. I had no hassles with either. Thank you Liberty Mutual! "
Commented on 2008-09-06 20:24:22 EST
"poor communication treated poorly facts not taken into consideration told one thing and other actions taken customer service -rude, abrupt and judgemental without hearing all the information"
Commented on 2008-08-30 22:45:10 EST
"As long as all you have to do is pay your premium-ok-but God help you if you have to file a claim. They are professionals at adding grief to an already stressful situation. Their claims department is horrible. We have had this insurance for over 12 yrs. because of a good college alumni affiliation discount but will drop it after our current claim is settled, which takes forever. They've lost a long standing customer due to the poor service and attitudes we've encountered on this claim. It is my full intention to relate our dissatisfaction to not only the company, but the college affiliation which I'm sure is unaware of their poor service."
Commented on 2008-08-30 09:23:52 EST
"I am with this company more than 20 years. I have Auto/Home and umbrella policy. Their service is extremely satsfied but premiums are very very high. I am thinking to change insurance company."
Commented on 2008-08-28 17:14:52 EST
"They claim to have a "forgiveness policy" in their commercials which isn't true. They write letters threatening to take away discounts for minor accidents. They never adjust rates for good performance."
Commented on 2008-08-27 12:31:45 EST
"If ever you need to file a claim with Liberty Mutual make sure you hire a privat adjuster. otherwise you will spend days on the phone being transferred from one idiot to another with no resolution to your claim. They jerked us around for two years over a hurricaine claim and after trying to resolve the issue I hired a private adjuster. although it cost me 25% of my claim I'm convinced had i not done so i would have ended up with nothing. There commercials "people doing the right thing" make me sick. good luck"
Commented on 2008-08-10 09:59:35 EST
"I had Liberty Mutual in Texas, and was very pleased with the premium and their handling of my son's accident. We moved to California and I was forced very unhappily to change insurance. We were in California a year with someone else then moved to Maryland. I was very stressed out with having to change insurance again and by the quotes I was getting. Finally called Liberty mutual again and the rate they quoted me was about the same for a year as others were quoting for 6 months. I love this company! I hope I can stay with them forever."
Commented on 2008-08-06 10:39:55 EST
"I've used Liberty Mutual for over 8 years for both business insurance and homeowners, but have recently decided to move to another carrier. Their coverage and service has fallen to the point where I would strongly urge anyone in New England to stay far away from Liberty Mutual. "
Commented on 2008-08-03 08:30:58 EST
"They sent us a letter to iform us that they had done a routine review of our policies and discovered that we had not been given a discount on our auto insurance that we were eligible for. Enclosed with the letter was a rebate check for the amount we overpaid on our premiums, plus interest. Totally unexpected and something we did not ask for. They have consistently provided the best rates and we have experienced no problems with them. "
Commented on 2008-07-31 14:10:49 EST
"Liberty Mutual denied my claim for short term disability when I had surgery on my stomach because they said that I have a job that only requires me to sit down. Hello!!! When you sit, jour stomach is being strained. I ended up having to go back to the doctor and having another procedure done because I was forced to return to work"
Commented on 2008-07-28 15:05:49 EST
"I was cancelled due to hurricane exposure and for not giving Liberty my auto insurance last year. As a retiree I found it insulting and had it corrected. They should be heavily fined whenever they try to do these things. How responsible are they or just sloppy?"
Commented on 2008-07-22 08:22:13 EST
"Rates are high"
Commented on 2008-07-16 21:18:35 EST
"Liberty mutual agents are very rude, they feel they know more than a builing contractor. They talk down to you and do what ever they can to not pay you for damages that is intitled to you. "
Commented on 2008-07-16 08:09:45 EST
"Had this insurance company for over 30 years. Prompt payments on any claims we have had -homeowners, car, jewelry loss, etc. Never a problem. Fast and helpful contact with claims and sales people. Quick payments made. Good rates for what you get."
Commented on 2008-07-06 13:48:12 EST
"I would not recommend liberty mutual to my worst enemy. I had water damage in my basement and they never showed up or called. After several attempts and weeks they sent someone to my house and denied the claim anyway. I had companies in to clean up the water and they denied the payment to them also. What a nightmare. "
Commented on 2008-06-26 19:15:46 EST
"I have Liberty Mutual for Short Term Disability. I filed a claim for pregnancy complications. My doctor has authorized bedrest for 1 month prior to my due date because of complications. Liberty Mutual has denied my claim. Every time I try to call the claim representative I get her voice mail with a message telling me she is "out of the office at 3:45PM EST". The times she is in the office seem to fluctuate, so, I must leave messages, then I do not get any calls returned to me. When I finally made contact with my representative I was informed that my case had been closed and denied. I asked, where was the letter that explained Liberty Mutual’s decision? Also, Liberty Mutual is supposed to send information on the appeal process. No information has been communicated to me. I am still waiting for both letters and it's been over a month. I would advise strongly against doing business with Liberty Mutual."
Commented on 2008-06-24 12:06:19 EST
"I've been with Liberty Mutual for over 10 yrs now. I’ve ever had a claim, never been late with my payments, because it's automatically deducted from my checking account. No tickets, my MVR is clean....BUT my premium increase every year! I don't understand how this company justifies their rate increases every year. The Department of Insurance or the Commonwealth Automobile Reinsurers should look into this company a lot closer."
Commented on 2008-06-21 21:27:27 EST
"Customer Service Centers Liberty Mutual has, are doing nothing but providing lip service. Amazingly enough they keep opening more call centers to handle all the calls, instead of looking inward at management. The reps are telling the customers what they want to hear just to get them off the phone and on to the next call. Employees are not happy working with the company, you can hear it in the back ground. "
Commented on 2008-06-16 08:39:13 EST
"I feel victimized by my insurance company. My vehicle was stolen and recovered and I have had nothing but problems with Liberty Mutual. They refused to pay any mechanical damages because they say they are not related to the theft. They want me to pay $400.00 for a diagnostic test to see if the problems were caused by the theft. I called the dealership and asked if it was possible to determine if the problems were caused by the theft or prior to it...they stated "absolutely not". My insurance company insists they can and will not consider paying until the test is done. I have never been treated so badly in my life."
Commented on 2008-06-13 10:28:54 EST
"Liberty flew out a claims adjuster for our major claim to be resolved. Very quick, very responsive. "
Commented on 2008-06-11 15:39:55 EST
"When I moved to Indiana from New Jersey, I was told that earthquakes are the reason Indiana insurance costs so much more than in New Jersey. But then I found out my policy does NOT cover earthquake damage!"
Commented on 2008-06-10 08:59:45 EST
"BEWARE!!! These people will steal your money and get a fancy lawyer to talk their way out of paying you a penny for valid claims. "
Commented on 2008-05-28 22:00:52 EST
"Home completely destroyed by fire. Liberty Mutual has dragged their feet in every possible way. Fire occurred 6 months ago. We received contents money less than 1 month ago, and they did not include all of the contents that were in the home. Still fighting with them to try to get it resolved and get the money. Unsure if we ever will. Now we are having trouble getting them to return our calls. Would not recommend this company to anyone."
Commented on 2008-05-25 16:52:35 EST
"extreamly insensitive to homeowners' medical condition. homeowners with severe allegies were made to stay home after the flood while the fans and dehumidifiers were running 24 hours a day for more than 4 days and counting. The dust and the noise were unbearable, but insurance company did not care."
Commented on 2008-05-22 18:48:20 EST
"My company eliminated our sick time and now provides short term disability. I was unable to work due to illness for a few weeks. Six weeks after the claim was filed, after submitting physician notes and other supporting information,which I had to collect myself, my claim was denied. Several people I work with have also been denied. This company has done nothing to protect me from loss of income due to an exacerbation of a chronic condition."
Commented on 2008-05-19 18:54:25 EST
"We just bought an older home (1920's) with some branch circuits using knob and tube wiring. We were referred to Liberty Mutual through our real estate agent's concierge service. Note they called us; we did not seek them out. I filled out an application over the phone during which 1) we were never asked if we had knob and tube wiring and 2) I explicitly told them we had older wiring in the house and we intended to get portions of it replaced. When I received the written application in the mail, it suggested that we DID NOT have knob and tube wiring. I tried calling them twice before closing to determine the implications for this discrepancy. I was told someone from underwriting would call me back. I heard nothing until 4 weeks AFTER closing when they told me I would have to replace EVERY INCH of knob and tube wiring in the house or they would drop me. It was an absolutely AWFUL experience. I suspect that 1) Liberty Mutual did not really want to recognize the knob and tube wiring so that, in event of a claim, they could be absolved of responsibilities and 2) they want an absolutely risk free situation (which is impossible) so they have no obligations to cover claims. I talked with an insurance lawyer who suggested these kinds of practices are not uncommon. I would highly discourage any proud home owner from insuring their home with Liberty Mutual. "
Commented on 2008-05-15 12:43:00 EST
"After having and paying premiums for over 30 years with no claims I recently had to file a claim when my car was broken into and my laptop computer was stolen. With a loss of $6,000.00 plus damage to the car, Liberty Mutual stated they would only pay $ 250.00. Reason: if you have so much as 1 business contact email address, this means it is a "business" computer and subject to their limit of $250.00."
Commented on 2008-05-12 17:57:15 EST
"it is amazing that when you have a disaster, and then another bad experience, and then something else, that you really asked for these things, make sure you have mold mildew, ammendatory ammendment, due to you will get very sick, i do not think mold and mildew ever quits having babies, and spreads, with the mold spurs you cannot see, and ruins you sentimental things, and things are not replaced correctly. MAKE SURE YOU HAVE HOUSING AND IF IT IS PROMISED TO YOU, PURSUE IT, MAKE THEM FIND YOU HOUSING AND THEY PAY UP FRONT. DON'T TRUST THEM. IF YOU RENT AND THE PROPERTY DOES NOT MAKE PAY PURSUE IT WITH YOU BUILDING DAMAGE, AND ALWAYS HAVE YOUR DECLARATION PAGE, AND FILE ALL THE COMPLAINTS, HERE, GET WITH EPA, FEMA, ETC. DO NOT TRUST UP FRONT, AND DO NOT ALLOW THEM TO PRY INTO YOUR PERSONAL LIFE, SINCE YOU WERE IN HIGH SCHOOL, I DID THAT, AS I WAS MOVING AND TIRED AND IN PAIN FROM AN ACCIDENT. IF YOU ARE NOT SATISFIED, JUST FILE THE CLAIM HERE AND GET AN ATTORNEY!!!!!!!!!!!!!!!"
Commented on 2008-05-05 01:29:54 EST
"I hit a utility pole. It is a Camry LE 2007 (1 yr old) but Liberty Mutual just want to pay "Used Part". My car just has 20,000 miles on it. This is not right. I fought back but it was just a waste of time. Should you insure your car with this company if they just want to pay for used part????"
Commented on 2008-05-04 21:02:20 EST
"This is a very cheap insurance company with a bunch of aggresive adjusters who will do anything to get out of paying for the damage. Stay away!"
Commented on 2008-05-03 06:39:17 EST
"I was a Liberty Mutual customer for over 7 years. I never filed a claim until the 7th year. Upon filing the company told me my policy had been canceled several months back due to a payment, which they received in full, a few days late. The cancellation occurred with no communication to me. This company seeks out legal loopholes when you need to make a claim. They are willing to hang even their most loyal customers out to dry if it will save them a dollar. "
Commented on 2008-05-02 19:28:20 EST
"We had a very bad storm here in Texas. My roof which was only 4yrs old leaked in both the garage and home. The adjuster who came out was a bit of a jerk and pretty much said the claim was going to be denied because he couldn't find any point of entry caused by the storm. Meanwhile the flash around my chimney was all bent to hell which I told him was probably due to the high 60mph winds. He said no it was due to the flashing being installed improperly which is BS. Because they screwed up in the office 10 days later he had to come out a second time during which time even more rain came in. They eventually denied the claim and I am looking at thousand of dollars worth of damage which will have to come out of my pocket. I never filed a claim with this company and when I needed them most they shafted me! Keep clear of Liberty Mutual."
Commented on 2008-04-24 10:17:10 EST
" liberty mutual is the insurance carrier of my employer. i have a verified injury from work yet they are unwilling to compensate me. they'll pay for my medical service, but not my salary. this makes no sense."
Commented on 2008-04-11 13:54:11 EST
"We have had insurance with Liberty Mutual for 32 years plus. Had a claim in 2001 from two trees falling on our house and porch. In Feb. 2008 another tree fell on porch and house damageing roof and porch. Liberty Mutual claimed we never repaired the damage from 2001 did not pay except to have the tree removed. We are in debt for all the repairs to our house and roof.Very rude adjusters My husband had to ask them to leave it got so bad. Then they sent out a investegater to talk to us He wanted to tape record my converstion. I certainly did not agree. After taking our money for 32 years they did not pay. Would not recommed this company to anyone. Am cancelling my policy and insuring with State Farm."
Commented on 2008-04-03 17:38:05 EST
"I decided to move on after doing business with them for 3 years (Never had a claim before). They are good in trying to deny claims and also good in dragging their feet to pay out when Claimant fought back. If you do not want to deal with all these, you should go for a different one. They settled my claim at the end but I had to spend a lot of time on the phone chasing them down. A COMPLETE WASTE OF TIME!"
Commented on 2008-04-01 09:47:03 EST
"They denied my claim when I had a flood in my basement, and it was NEVER even suggested to me, even after the flooding that I should take out extra coverage for such an incident."
Commented on 2008-03-31 07:02:50 EST
"I was involved in a hit and run. I cought the guy but the car's owner was not driving and had no ID. He told the police he had Progressiver but refused to admit to his insurance company that he was involved in an accident. Liberty refused to process the claim under my uninsured motorist. They wanted to use my collision with me paying the $1000 deductable. They said that since the guy who owned the car that hit me wouldn't admit to them that he had insurance and thus Progressive wouldn't pay they couldn't use the uninsured part of my policy because he might have insurance. With auto, home, barn,boat and unbrella I pay over $3000 per year, but not to Liberty anymore. I'm going with Amica."
Commented on 2008-03-27 10:06:54 EST
"After 8 years of taking our money the agent told us that we have great coverage and that we are covered for everything, but when we called the claims department they spent most of our time telling us what we Did Not Have Coverage for the little things that they would be willing to help with, but without attempting to help us with our claim! WE WOULD NOT RECOMMEND USING THIS COMPANY, BECAUSE OF THEIR POOR CUSTOMER SERVICE! :o( "
Commented on 2008-03-19 18:07:42 EST
"The claims adjusters are helpful, and provide informative explanations for their decisions. "
Commented on 2008-03-12 12:02:22 EST
"They have been very courteous and helpful to me. I have never had a problem with them. My car was just stolen and they took care of everything promptly."
Commented on 2008-03-10 08:27:47 EST
"I think Liberty Mutual is deceptive and playing a numbers game which is disrespectful to it's long term policy holders. For the same coverage other big name insurers offered savings of $400 plus per year on my 2 vehicles. When contacted they they were happy to let me go (after around 20 years) w/o so much as offering any reduction in the premiums. Something fishy there..."
Commented on 2008-03-06 00:45:44 EST
"Never had a problem with them yet. They are very helpful when i do request information from them."
Commented on 2008-03-05 10:16:10 EST
"Terrible company, only thing they're good at is denying claims. Doesn't matter what your doctors say, the ones they pay just say "NO". Seems like most of their staff are legal and exist to ignore and deny their customers. What a corporate strategy."
Commented on 2008-02-29 20:01:57 EST
"I am actually a Geico customer but I had to file a claim against liberty mutual after one of there customers hit my car. I was going down a straightway and they came out of a side street and hit me on my driverside back door and bumper. I had to pay almost 200.00 to get towed from MASS TO NH. I am currently without a car I've been walking 45 mins to work because I can't afford a taxi after dishing out the money for the tow, and they have been completly unhelpful. They refuse to pay for a rental untill their customer calls them back. They are taking their time with a claims represenative coming to look at the damage. I live in NH where if anyone of you live in the northeast understand that this is winter, and it snows here. I am without anyway to get back and forth to work, not to mention I am a student and I am enrolled to take a class next week. I am unable to get to school. I will lose out on my class as well as be responsible for a fee. I am sure that Liberty mutual will not reinburse me for any of that. I am so angry and fed up. It took 5 phone calls in one day to get them to do anything. They hadn't even made one phone call to the insured until the 3rd call, and I had to give them the numbers! On the 4th call they finally mailed out the ten day letter, and on the 5th they where closed. Don't get Liberty mutual, they are horrible!"
Commented on 2008-02-26 08:51:25 EST
"Policy holder for 35 years. Had house fire. Adjuster was TERRIBLE. His "replacement value" much less than honest. Threatened ethical suppliers with insurance fraud. Never paid valid claims. Denied valid claims for home repair. Claim stretched out 4 years. Don't use Liberty Mutual!"
Commented on 2008-02-21 09:17:07 EST
"re: claim, it was to replace a windshield"
Commented on 2008-02-17 14:51:16 EST
"THIS COMPANY PROTECTS NO OTHER THAN THEMSELFS. I HATE THIS COMPANY."
Commented on 2008-02-13 15:20:56 EST
"After two trees fell on and damaged my privacy fence, Liberty Mutual requested measurements and photos from me. I was under the impression that's what claim adjusters are for. "
Commented on 2008-02-12 14:32:40 EST
"Do not expect a call back from them, they do not return calls. I was very upset at the way they handled my auto claim, they do not look out for their customers at all. You want to know that if you in an emergency situation your insurance company is there for you....I can tell you they are not!!!"
Commented on 2008-02-12 12:21:39 EST
"THIS COMPANY IS A RIP OFF AND EXTREMELY HIGH PREMIUMS COMPARED TO OTHER COMPANIES. GOD FORBID YOU MAKE A CLAIM THEY DOUBLE YOUR INSURANCE PREMIUMS. THEY ARE THE HIGHEST FOR HOMEOWNERS INSURANCE AND DOUBLED MY INSURANCE WITHOUT EVEN EVER HAVING MADE A CLAIM. DEFINITELY THE WORST COMPANY OUT THERE."
Commented on 2008-02-08 14:31:30 EST
"Crooked,Thieves,They Denied my husband's claim which he paid for 6 yrs. He was a Professional so the payment was high every week you figure. My husband Died and they said because he wasn't on the job the day of his DEATH, HE and HIS FAMILY WAS DENIED AND DISCARDED LIKE File 13.Life Ins. is nothing but a HOAX and you know it NOW.GOD Know's THE TRUTH and so do I.His CLAIM WAS WORTH $283,000.00 Spend it WISELY MUTUAL!!!!!!!!!!! "
Commented on 2008-01-28 12:13:40 EST
"These people are VERY polite, caring and know what they are doing!!! I work for a company, and Liberty gave me GREAT discounts. They are cheaper than every insurance company I got a quote from. I would DEFINITELY renew my insurance, and recommend them to family & friends. THANKS GUYS!!!! "
Commented on 2008-01-17 15:45:43 EST
"Ins Co. refused to pay fair labor rate and I had to make up the difference. Over 20 yrs. with same ins. and no other claims. I feel they still owe me $150.00. I called four times...long wait...rude agent...got cut off...determined agent and appraiser are same person...why hide that fact? Called Supv. got msg...gone for 2 more wks...sounds phony!"
Commented on 2008-01-14 17:51:38 EST
"very good service"
Commented on 2008-01-05 16:44:38 EST
"My Satellite System was hit by Lightning and my TV plus Stereo System plus some other items did burn up. I filed a claim with Liberty Mutual and now it has been send to their special Investigator Unit and they are refusing to pay for the damage."
Commented on 2008-01-02 12:27:33 EST
"Was sitting at a stop sign and was hit by 2 other cars. Other driver was ticketed. Lower and upper back injuries as well as left arm injury. LM sent me to their Independent Medical Examiner who stated I had a resolved cervical strain. After exam, I immediately called my adjuster as well as sent a written letter. LM ended up stopping my no fault pymts as well as any treatment causally related to my accident. They buy their Doctors to give false information. Result's include no payment from No Fault through LM and No coverage through my private insurance. "
Commented on 2007-12-20 19:19:54 EST
"Hard to reach..."
Commented on 2007-12-20 08:57:13 EST
"I have the short-term disability plan to which I've paid for over 5 years. I became disabled on 9/20, substantiated by two physicians with complete medical documentation and as of 12/15/07, Liberty has done nothing by deny my claim. I have had to file with the NC Ins. Comish and then they offered an appeal. That is going at a snail's pace with them making more and more excuses at prolonging the case - their strategy of denials and lengthy paperwork probably deters many customers that are actually due compensation. Such acts by Liberty should be criminal."
Commented on 2007-12-14 20:19:54 EST
"Was with LM for 48 years. Had two accidents, neither of which were my fault. LM had a differing opinion and sided with the other parties. Through my pointing out their LM's lacking and erroneous investigations - 'was able to change LM's settlement in my direction, but not without their they erroneously paying the other parties. In one case, LM tried to retrieve funds erroneously paid to the other party - but were not successful. Waste in this example, s why LM's insurance rates are high. "
Commented on 2007-12-01 09:13:11 EST
"If you should have to go on a short term or long term disabilty you better be prepared not to get paid by this company. They will do everything in ther power not to give you anything. Also they have had 158 complaints on the BBB in the last 36 months. But the first thing that they tell you is they will help you in whatever way they can."
Commented on 2007-11-25 23:35:25 EST
"worst company ever i would not recommend liberty mutual to my worst enemy"
Commented on 2007-11-11 15:54:39 EST
"Four years ago my son was injured on the job, and his employer had Liberty Mutual as their workers compensation insurance carrier. My son's injury eventually involved major surgery for three spinal discs in his neck. Without this surgery, my 22-year old was facing the real possibility of a wheelchair future. Dealing with Liberty Mutual for the year or more before we had to take this to litigation was a nightmare. If my son had not been able to move back home, it would have been impossible for him to have gotten the proper medical care his injury required. This is one of the most unethical insurance companies I have ever heard of. At one point, they actually sent my son to a doctor of their choosing, who, without the benefit of any medical files, concluded that my son could return to work. This work involved extremely strenuous physical labor that would have exacerbated his injury and placed him in serious danger. Their agents were never available and never returned his calls. I recognize that the insurance industry in this country has serious flaws and must be constantly vigilent in pursuing insurance fraud; however, this was a despicable example of moral behavior on the part of a company who has spent a fortune in advertising an image of a company that does the "responsible thing". If at all possible, please save yourself future heartache and avoid this insurance company. While on this subject, is there not some national watchdog agency to protect citizens from these kinds of companies? Perhaps not, given the era where we can't even expect a government to protect our children from dangerous toys."
Commented on 2007-11-10 10:51:40 EST
"Deceptive practices, lying, misrepresenting their policies, fross negligence, liers, thiefs-want money ofr nothing for premiums, beware: YOU GET WHAT YOU PAY FOR" Worse nightmare had to endure, company should be out of business. They're tape recording your statement and twist your words arounfd to their advantage, didn't include my uninsured motorist coverage when I specifically requested it and refuse to compensate me for my loss after an unlicensed driver hit and ran from the scene. "
Commented on 2007-11-08 11:06:48 EST
"This company has shown me over and over again that they are there to take care of any disaster that occur without ever threatening to cancel my policy. I know this for certain because I have been there a number of times all in one year. They are fast resolving your claim without ever saying your policy will be cancel due to excessive claims. "
Commented on 2007-11-06 14:40:46 EST
"Liberty Mutual Long Term Disability coverage is a joke. The only thing they want to deal with is accepting your premiums. They are unprofessional, use deceptive practices, outright lie and do everything they can to make your life a living hell to make you go away! Take my advice DO NOT become a victim of LIBERTY MUTUAL like I have."
Commented on 2007-11-02 13:30:04 EST
"Liberty Mutual epitomizes corporate irresponsibility. I have had water damage to my home and their assessment of damages cannot restore half of the damage I have incurred - even with replacement cost coverage. They will not return my phone calls, will not entertain appraisals by certified contranctors, and the appraiser that was sent to my home was rude and arrogant and had my wife in tears before he left. Libery Mutual is a disgusting corporation - the absolute worst I have incurred in my 53 years."
Commented on 2007-11-01 10:08:11 EST
"My only claim was for road side assistance, The tow truck, never showed up. I called Liberty Mutual again, they did not have record of the call. But the real kicker my rate keeps changing. I got quoted one price, if I did the auto deduction and that rate is not being honored. "
Commented on 2007-11-01 09:00:30 EST
"I am being dropped by liberty mutual because I have a manufactured home. Although my house is a 1999 model on a permanent foundation and classified by the county as Real Estate, Liberty will not discuss with me, just dropping coverage. I have had policies for both auto and home with no claims, but that does not matter to them. Liberty Mutual is good at one thing... collecting premiums. I would recommend them only to people I hate. "
Commented on 2007-10-26 11:59:17 EST
"It been over 8 month of dealing with Liberty Mutual but it seen like 30 years. The service is rotten and the claim adjuster are unprofessional. i wish I would have read there rating before ever doing business with Liberty Mutual. "
Commented on 2007-10-26 10:18:50 EST
"After 7 months of phone calls, e-mails & correspondence with multiple representatives they denied amy claim. I sent estimates & photo evidence of damage & I was told via e-mail that they intended to pay nothing. "
Commented on 2007-10-15 09:07:55 EST
"I have had auto and homeowner's insurance with Liberty Mutual for over 30 years. We filed several small homeowner's claims within 2 years when we encountered problems with a new roof that had been installed. Subsequently we purchased a new home and the premium was sky-high. Someone should have warned me that I would have been better off paying for the damages myself instead of the increased premium that would result. We are not renewing our homeowners policy with Liberty Mutual as their basic rates have also increased and we can get the same coverage elsewhere at 30% less."
Commented on 2007-10-11 15:48:45 EST
"Liberty Mutual is very disreputable in the sense it makes you believe you have better coverage than you really have. They sell a "deluxe policy" which is nothing more than basic coverage and provides them with many "LOOPHOLES" THEY USE TO AVOID PAYING CLAIMS. Buyer beware in dealing with them!!! "
Commented on 2007-10-06 11:17:32 EST
"Customer service was excellent, helpful and very well trained agents. Not pushy and bottom dollarish like other insurance agents. Oh and my agent even gave her cell phone number - not just the office phone!"
Commented on 2007-09-19 21:35:05 EST
"I have Liberty Mutual for Short Term Disability and after my recent pregnancy/delivery, even though my doctor has authorized an additional 3 weeks due to complications, Liberty Mutual has denied my claim. Every time I try to call my claim representative I get his voice mail, I do not get any calls returned to me. After contacting my HR agent I was informed that my case had been closed and my claim for the additional 3 weeks denied. That was over a month ago and I've never received anything from Liberty Mutual stating that or informing me of how to file an appeal."
Commented on 2007-09-13 11:11:49 EST
"Liberty Mutual finally gave me what was agreed upon in my policy only after a protracted series of phone calls and letters. Their handling of my claim demonstrated their interest in only their bottom line. One employee actually said something like, "I'm sorry we did so poorly in handling this claim. We can't do anything to make up for the situation. We hope you will continue to insure with us." He really said that."
Commented on 2007-08-29 09:34:56 EST
"Would not settle claim except that my employer forced them to. "
Commented on 2007-07-22 10:08:19 EST
"I'm affraid that like many people I can only say I have car insurance. I thought my insurance company would be more helpful in my accident settlement,that they would look out for my interests. They were helpful in advizing about the market value of my total loss vehicle claim, however the opposing insurance company was the first to reach me by phone. I was astounded they would. It was a good thing I wasn't serriously injured. Who would of helped me if I were laying in bed."
Commented on 2007-07-21 07:52:38 EST
"They are difficult to reach by phone. "My Agent" is never available."
Commented on 2007-06-03 15:45:01 EST
"I think they worked on finding the cheapest way out of putting my house back into the condition it was. Not to mention the underqualified companies they have to handle and fix the problems."
Commented on 2007-04-06 10:13:10 EST
"Claims representatives are impossible to speak to. Even after a tree fell on our house, the representative would only commit to coming to our house a week later."
Commented on 2007-03-26 10:50:29 EST
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