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Review: Liberty Mutual Insurance |
Comments
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. |
"Sent adjuster quickly, however didn't pursue reimbursement from other company, nor pay for rental car."
2007-01-23 14:27:36 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."
2007-03-26 11:50:29 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."
2007-04-06 11:13:10 EST
"In the thirty years we have had homeowners coverage with this company, we have had 2 claims. It took over 10 weeks to get a response from the claims adjuster after leaving numerous messages for him for our last claim. Our first claim, eighteen years ago also took weeks to get someone to call us back. Customer service in their claims section is non-existent! "
2007-05-24 11:12:12 EST
"They are difficult to reach by phone. "My Agent" is never available."
2007-06-03 16:45:01 EST
"They were very prompt with my not at fault claim but low balled me and totaled out my vehicle and gave me a very low amount for my vehicle noting conditions on the car (conditions that were present on my car when I purchased it) Also had trouble keeping my rental once my car was totaled. They only gave me 2 days to find a new car!!!!"
2007-07-10 16:29:54 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."
2007-08-29 10:34:56 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."
2007-07-21 08:52:38 EST
"Would not settle claim except that my employer forced them to. "
2007-07-22 11:08:19 EST
"I am a cancer patient who is dealing with Liberty Mutual for a short term disability claim. Despite details about my illness and surgery from my doctor and a recommended return to work date, they do nothing to follow up or update my file. They insist on keeping the return to work date they feel necessary without regards to upcoming chemotherapy. My case worker is always "not in". I have concluded that I must take legal action against them if they continue to they're present actions."
2007-08-08 08:09:11 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."
2007-09-13 12:11:49 EST
"Denied a claim for water damage after being with them for 20 years without filing one claim! Terrible customer service. Would not recommend to anyone."
2007-09-13 23:06:48 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!"
2007-09-19 22:35:05 EST
"Dealing with Liberty Mutual Insurance has been one of the most unpleasant experiences I ever had. You can pay your premiums every year but do not attempt to file a claim! You get no assistance whatsoever from their claim's people. Buy insurance from them at your own risk-- a terrible company."
2007-09-22 12:09:29 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!!!
"
2007-10-06 12:17:32 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."
2007-10-11 16:48:45 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. "
2007-10-15 10:07:55 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. "
2007-10-26 11:18:50 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.
"
2007-10-26 12:59:17 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. "
2007-11-01 10:00:30 EST
"This is the most awesome company I have ever dealth with. My "agent" in Marietta even gave me his cell number if I needed anything."
2007-11-01 10:56:30 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."
2007-11-01 11:08:11 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."
2007-11-02 14:30:04 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. "
2007-11-06 15:40:46 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. "
2007-11-08 12:06:48 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."
2007-11-10 11:51:40 EST
"worst company ever i would not recommend liberty mutual to my worst enemy"
2007-11-11 16:54:39 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."
2007-11-26 00:35:25 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. "
2007-12-01 10:13:11 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."
2007-12-14 21:19:54 EST
"Hard to reach..."
2007-12-20 09:57:13 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. "
2007-12-20 20:19:54 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."
2008-01-02 13:27:33 EST
"very good service"
2008-01-05 17:44:38 EST
"I do not have Liberty Insurance but I have has the unfortunate experience of having to deal with them becuse one of there policy holders hit me head on. I was hit on a Thursday night and my only form of transportation was towed away and I find out that I can not get a rental until the adjuster determines liability and she only works Monday thru Friday 8 to 5. I was told by one of there operators that it would probably be faster to make the claim on my insurance, which would mean I would have to pay my deductable and then try to get it back. Totaly unacceptable service. I was involved in an accident an State Farm was the driver at faults insurance provider and I made 1 phone call picked a service center and they had a rental car waiting there for me the day after it happened. Do not use this insurance. "
2008-01-12 16:12:32 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!"
2008-01-14 18:51:38 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!!!!
"
2008-01-17 16:45:43 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!!!!!!!!!!!
"
2008-01-28 13:13:40 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."
2008-02-08 15:31:30 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!!!"
2008-02-12 13:21:39 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. "
2008-02-12 15:32:40 EST
"THIS COMPANY PROTECTS NO OTHER THAN THEMSELFS. I HATE THIS COMPANY."
2008-02-13 16:20:56 EST
"Had disability insurance for 15 years, with Prudential, Core, Broadspire. As soon as Liberty Mutual took over the policy they began ruthless effort to eliminate me and others. Had quack doctors review my claim and render me no longer disabled. This is after being approved for 15 years by 3 other insurance companies, social security and previous employer. I hired lawyers and doctors to review and approve my claim, Liberty continued to deny. Only alternative is to sue, may costs thousands & they know that most can't won't do that. Contemplating persuing a class action suit."
2008-02-15 20:52:33 EST
"re: claim, it was to replace a windshield"
2008-02-17 15:51:16 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!"
2008-02-21 10:17:07 EST
"Have been on long term disability for many years, as soon as Liberty Mutual took over insurance coverage they began to deny coverage. No matter what your doctors or lawyers say, they deny. Be prepared to spend thousands of dollars to appeal your claim. Horrible company!!"
2008-02-25 14:46:36 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!"
2008-02-26 09:51:25 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."
2008-02-29 21:01:57 EST
"Great company. Paid my claim quick and my agent is great."
2008-03-04 10:34:02 EST
"Never had a problem with them yet. They are very helpful when i do request information from them."
2008-03-05 11:16:10 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..."
2008-03-06 01:45:44 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."
2008-03-10 09:27:47 EST
"The claims adjusters are helpful, and provide informative explanations for their decisions. "
2008-03-12 13:02:22 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( "
2008-03-19 19:07:42 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."
2008-03-27 11:06:54 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."
2008-03-31 08:02:50 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!"
2008-04-01 10:47:03 EST
"Me and my roomates cars were parked in front of our house... got hit but a guy this insurance... They are lazy and don't do anything. Since he had AMEX insurance b/c the car he was driving is a rental Liberty mutual refuses to pay for the damage to our cars. I had to call AMEX to get the clami dept number.. liberty told me they called them yesterday but today I was told they didn't even have the number. They aren't doing a thing and are making me do everything when they are NOT even my insurance company. I wish they would stop lieing to me and being lazy. I WOULD NEVER EVER suggest any people getting anything insurance with them. I have actually told all my car club friends to stay as far away as possible."
2008-04-02 10:28:14 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."
2008-04-03 18:38:05 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."
2008-04-11 14:54:11 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."
2008-04-24 11:17:10 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. "
2008-05-02 20:28:20 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!"
2008-05-03 07:39:17 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????"
2008-05-04 22:02:20 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!!!!!!!!!!!!!!!"
2008-05-05 02:29:54 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."
2008-05-12 18:57:15 EST
"i had full auto coverage for my bmw z3 with liberty mutual. they have insured the vehicle for 4 years. my review is rather difficult to write given that i crashed my car two weeks ago, and i am presently going through the process. so far, liberty mutual has been an exceptionally easy and friendly company to deal with. i reported the accident and my car was towed to the body shop promptly the next morning. the claims adjuster was on the telephone immediately and sending email regarding the estimates and claim. the repairs were approved within 2 days. they even emphasized that the work performed was guaranteed for life of vehicle thru LM. so far, so good.
except, 6 weeks ago i received a telephone call from LM informing me that they would no longer insure me and my policy was not going to be renewed on 05/21/08. the rep explained that due to several speeding tickets i received in 2007, i was considered high-risk, and my driving habits were labeled both wreckless and negligent.
when i subsequently wrecked my vehicle, i was at first concerned about a short-timer attitude with LM. if anything they're attitude as been just the opposite.
i liked being insured through Liberty Mutual. But i guess Liberty Mutual does not like insuring me."
2008-05-08 12:56:30 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.
"
2008-05-15 13:43:00 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."
2008-05-19 19:54:25 EST
"Liberty Mutual's local agents and service staff are very helpful and responsive whenever I need them. The claims process was handled quickly and to my satisfaction. Great overall company!"
2008-05-21 10:11:09 EST
"Came to my office to discuss my auto policy--does any other insurance company do that?"
2008-05-22 14:44:41 EST
"
Experts at refusing claims, delaying, ignoring, threatening, intimidation. "
2008-05-22 18:47:15 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."
2008-05-22 19:48:20 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."
2008-05-25 17:52:35 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.
"
2008-05-28 23:00:52 EST
"Liberty Mutual carries my companies Workman's Comp insurance. Three months ago I fell and tore a rotator cuff. Liberty Mutual keeps "losing" paperwork, keeps delaying approval for surgery. The reps are almost impossible to contact. I leave repeated messages and no ones return calls. I'm on the verge of hiring an attorney to deal with them. Liberty Mutuals inefficiency and poor customer service are seriously impacting my career and my family. "
2008-06-02 11:11:54 EST
"Liberty Mutual insurance for short term disability and long term disability is a big rip off and i think we should all start a class action suit against them.How can they keep getting away with what they do? I had 3 dr say i couldnt work they denied my short term disability file an appeal they denied that as well.They said they hired outside rs too look at my records and he decided there was no reason for my disability. in the mean time i lost my job i had for 8 years and now because my short term appeal was denied i dont have a chance in getting my long term disability that i paid on for 8 yrs .."
2008-06-04 19:57:56 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!"
2008-06-10 09:59:45 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."
2008-06-13 11:28:54 EST
"Liberty flew out a claims adjuster for our major claim to be resolved. Very quick, very responsive.
"
2008-06-11 16:39:55 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. "
2008-06-16 09:39:13 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. "
2008-06-26 20:15:46 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."
2008-06-21 22:27:27 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."
2008-06-24 13:06:19 EST
"I Must tell you that i am shocked by some of the comments. I always recieved great service from Liberty Mutual. The service satff helped with my claim and reviewed my auto and saved me money. I went to a local college and they have discounts with Liberty Mutual.My kids are now with them and they bought Liberty Insurance on their first home. Thanks"
2008-06-24 19:57:38 EST
"I feel I was treated like a comon criminal!! On christmas eve all my presents were stolen from my vehical at a local movie theater police reports were filed every item i claimed was reported and i had reciepts for these items an investagation into the case wanted to intarrogate me and go thru my checking account and safety deposit box!!when I refused they claimed i was fradulant!! all along they were over charging my seinor citizen grandparents $1100 a year for home owner insurance they now have same coverage for $600!! thank you liberty mutual for calling attention to how much you were ripping my grandparents off for 30 years!!you should be ashamed of you practices!!!I think we need insurance for rip off insurance companies like this one!! "
2008-06-29 21:09:47 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."
2008-07-06 14:48:12 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?"
2008-07-22 09:22:13 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. "
2008-07-16 09:09:45 EST
"After one claim Liberty Mutual dropped us at renewal time. Following our being dropped we found that LM overstated the claim on our credit report, so it was difficult to get insurance."
2008-07-19 00:42:50 EST
"Rates are high"
2008-07-16 22:18:35 EST
"I believe that Liberty mutualo takes their sweet time on purpose when filing a claim. They do this on the chance that you will withdraw your claim after being given the run-around for so long. I finally gave up and withdrew. And I also want to say that my claims manager was NOT NICE! She was very uncooperative, and she was the one who brought up the word withdraw from claim. i think their way of doing business is a scam and fraudulant."
2008-07-17 14:07:35 EST
"I was with this company for my autos for 17 years and my home for 10 years.
I was struck from the rear on the freeway by a person with a suspended drivers license and no insurance.
This company does not investigate, and does not properly evaluate, its claims.
DO NOT BUY FROM THIS COMPANY; THEY ACT ONLY IN THEIR INTEREST."
2008-07-24 22:08:03 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"
2008-07-28 16:05:49 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. "
2008-07-31 15:10:49 EST
"To the person who received the unexpected rebate check, I hop to god you never ever have to file a claim because you will deeply regret ever having insurance with Liberty Mutual.
Cash the check, and switch companies, NOW. "
2008-08-02 13:29:53 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. "
2008-08-03 09:30:58 EST
"rates are not compatible - they do not go out of their way to communicate discounts - only when you tell them you are changing companies do they start to re-evaluate their premiums. "
2008-08-04 16:22:30 EST
"To the person who left and returned to this company, because of some savings in premium, you are going to regret doing so if you EVER have a claim of any significance. Remember, you usually get what you pay for, but not with Liberty Mutual."
2008-08-06 18:21:43 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."
2008-08-06 11:39:55 EST
"They do not know what the right thing is, so how can they ever be expected to do it?
They retain attorneys and doctors to avoid responsibility rather than pay legitimate claims.
Run, do not walk, away from Liberty Mutual. You will be glad you did.
"
2008-08-11 22:33:28 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"
2008-08-10 10:59:35 EST
"Great company that treats their employees top notch."
2008-08-19 20:08:58 EST
"They treat their employees top notch? You, sir, are living in a fantasy world.
Liberty Mutual is the equivalent of George W. Bush; both should be ashamed of themselves for the things they have done and continue to do."
2008-08-22 22:28:30 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."
2008-08-30 10:23:52 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."
2008-08-27 13:31:45 EST
"I am a very satisfied customer. I had a claim a few years ago and was delighted. I pay good rates, and have a very knowledgable agent. Would definitely recommend."
2008-08-31 09:27:31 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"
2008-08-30 23:45:10 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."
2008-08-28 18:14:52 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! "
2008-09-06 21:24:22 EST
"Their commercials are a complete joke. They do not act responsibly, and do not do the right thing. They are experts in delaying."
2008-09-07 20:59:33 EST
"droping me due to a water claim that was doubled"
2008-09-09 21:30:13 EST
"I live in Southern California and my agent takes excellent care of my policies"
2008-09-17 15:23:24 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."
2008-09-19 11:54:11 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
"
2008-09-19 13:33:47 EST
"handled my claim in a very timely manner"
2008-10-01 20:41:36 EST
"I have been with Liberty Mutual for over ten years. I have been extremly satisfied with not only the service but the claims department as well. My family and I have had claims in both the home and auto area. We were treated well, our cliams were paid off in a timely manor. And overall i recomend then to every friend and family member I have. I am disheartened to see unsatisfactory customers, could it be, they are unhappy they didnt get the claim money they wanted??? could it be they are not familiar how insurance companies operate and how the claims preocess unfortunalety sometimes takes time. Liberty Mutual is a great and honest company, and next time you read a consumer report stating they are losuy realize it could jusy be the person unhappy with the result of how there claim went. Review your policy, remove the dead tree in your yard beofre it falls on your house....no comapny will pay for it...its your own darned fault!"
2008-10-01 16:32:10 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.. "
2008-09-27 21:41:30 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."
2008-09-29 10:22:17 EST
"Liberty Mutual is a fantastic company, that is, if you love paying your premiums and, in the even of a claim, fighting them to honor their contract. Having insurance with them is like being in a bad marriage, and the sooner you divorce the better."
2008-09-29 15:22:14 EST
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