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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
"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
"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
"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
"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
"
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 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
"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
"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
"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
"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
"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
"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
"droping me due to a water claim that was doubled"
2008-09-09 21:30:13 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
"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
"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."
2008-10-05 23:02:15 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?"
2008-10-10 16:02:50 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. "
2008-10-16 16:40:44 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. "
2008-10-17 18:37:15 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."
2008-10-21 14:42:05 EST
"Liberty Mutual is only after the money, with no regards to claims. Their double talk and "fuzzy math" in their favor is definitely in BAD FAITH."
2008-10-21 15:30:44 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."
2008-11-02 21:08:28 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. "
2008-10-27 15:53:36 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
"
2008-11-19 12:29:26 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. "
2008-11-12 23:51:25 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"!"
2008-11-13 13:27:16 EST
"I had damage to home from Hurricane Ike and I hired a licensed/certified inspection company to do a storm damage assesment report within 3 days of the the storm because it would be professional, thorough, include photographs, & description of the damage. Liberty Mutual hires contract claim adjusters whose sole purpose is to either deny damage or at very least report it as very minor. The adjuster showed up 13 days after the storm and disputed the inspection report damage! LM then offered a ridiculous lowball amount in which no general contractor would remotely consider doing the repair work for. I told them that if they could find a contractor to do the work for their offered amount then I would hire them on the spot. I've since read up on Liberty Mutual on very sites and found they use a consulting firm, McKinsey & Co. as do many other insurance companies, who have shown them how to increase premiums, deny claims, offer lowball amounts, which is very effective in wearing down the customers with various strategies to get them to walk away. One site you can check this information out on is http://www.justice.org/docs/TenWorstInsuranceCompanies.pdf [sic]xact
These insurance companies have been MAKING BIG PROFIT since 2004 to date and McKinsey & Co. taught them how to do it. I am currently on my third claims adjuster & continue to refuse acceptance of their pitiful offer."
2008-11-14 15:23:44 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!"
2008-11-18 11:36:33 EST
"Just trying to get a lousy milage check is impossible"
2008-11-17 19:36:27 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."
2008-11-24 16:52:19 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."
2008-11-30 18:10:48 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"
2008-12-05 20:59:08 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. "
2008-12-04 19:28:39 EST
"worst insurance company in the world. Don't ever use them for anything."
2008-12-09 21:44:00 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."
2008-12-23 09:47:14 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"
2008-12-17 20:45:25 EST
"Liberty mutual does everything to try to discourage you from getting your claim approved. Once they finally approve you, they deny you after a few months. Very nasty people. Would NOT recommend them to my worst enemy. They are nothing but frauds! "
2009-01-07 14:23:20 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 "
2009-01-07 14:44:56 EST
"Dishonest adjusters. Adjusters write deceptive reports of damages in support of insurance company. Anything necessary to deny paying claims."
2009-01-07 23:15:22 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. "
2009-01-10 20:46:28 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!!!"
2009-01-27 11:10:08 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.......
"
2009-01-27 09:32:18 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."
2009-01-31 14:42:45 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. "
2009-02-06 12:44:08 EST
"no local agent, no one to contact for problems, employees tell different lies each time contacted"
2009-02-10 21:01:31 EST
"The forgiveness rule and insurance stacking options can come in useful."
2009-02-11 00:11:32 EST
"They are not giving my sister the care she needed then cut off the benefits."
2009-02-11 16:55:03 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."
2009-02-13 21:57:00 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!"
2009-02-19 01:55:23 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! "
2009-02-18 12:02:22 EST
"Would not pay. Pay lawyers thousands of dollars to save a dime."
2009-02-23 12:56:44 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."
2009-02-28 17:18:06 EST
"Very unhelpful despite the "passing it on" commericals". Long years with them in other house, moved & they have picked me to death over every little thing at old (now rental) and new house despite no claims, always paid on time and full disclosure of renovation on my part."
2009-02-25 16:17:08 EST
""They do not care, very slow on sending help to evaluate the damage! They do not estimate true damage to what it is worth and try to throw a low check at you hoping you will take it. After all the years of paying premiums and they do me this way, but I am not the only one. My neighbors, contractors can't believe on how they did us, I would run from this company!""
2009-02-28 22:23:28 EST
"All claims that I have had have been fast, smooth and easy. My personal agent is easy to get in touch with. I would never switch companies even to save a couple hundred dollars."
2009-02-27 10:24:32 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.
"
2009-03-01 20:59:22 EST
"Liberty Mutual will do everything to avoid paying. "
2009-03-03 14:43:09 EST
"Rock Solid"
2009-03-08 11:51:53 EST
"This is the worst insurance company that I've ever had."
2009-03-22 16:01:50 EST
"Very painful claims process."
2009-03-23 15:23:11 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."
2009-03-25 16:35:43 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."
2009-03-26 00:05:14 EST
"Fast claim service with no hassle. Been with this company for 23+ years."
2009-03-26 21:51:01 EST
"They certainly don`t provide what they state they do.They interpret the policies to suit themselves !!!!
Sadly you only find this out when you make a claim. It is the old saying an insurance company is only as good as your first claim.
Hopefully they will go the same way as other insurance companies who don`t provide what they say !!!!!"
2009-04-08 22:41:15 EST
"Had to get a Lawyer before Liberty would pay my claim."
2009-04-11 15:19:48 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!!!"
2009-04-17 14:41:25 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 !!!!"
2009-04-20 17:05:52 EST
"liberty mutuals claims service is the slowest and poorest service i ever had..."
2009-04-28 16:39:44 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."
2009-04-21 18:18:41 EST
"They are completely useless, I have to send them my deductible before they will replace the goods.
But more importantly I heard today that they are on their way down and are having serious problems, so beware !!!
I wish I had found this out a few weeks ago ."
2009-04-24 23:04:34 EST
"Liberty Mutual Sucks"
2009-04-27 12:33:41 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?"
2009-04-27 12:35:49 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."
2009-04-29 23:35:32 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."
2009-05-11 14:56:24 EST
"Liberty Mutual is the worst work comp insurance carrier in the usa. "
2009-06-04 12:32:49 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."
2009-06-09 22:10:31 EST
"drastic increase even after having a clean no accident driving record"
2009-06-15 12:51:15 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! "
2009-06-23 17:01:36 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."
2009-06-18 17:23:53 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 !!!"
2009-07-18 15:49:44 EST
"rates are much higher than all other companies."
2009-07-20 10:05:31 EST
"Liberty Mutual does NOT pay claims,they fight with you until the statute of limitation runs out on the claim."
2009-07-14 20:28:28 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!"
2009-07-28 01:23:24 EST
"They penalize when you file a claim. Absolutely horrid customer service."
2009-07-30 11:19:34 EST
"I had a home and an auto claim with them and both were handled right away. Liberty Mutual has always been willing to work with me and my family on all my questions. It is easy to reach both my agent and customer service. "
2009-08-07 14:34:54 EST
"get another insurance company right NOW.Liars unfair"
2009-08-19 12:14:37 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."
2009-08-21 16:37:14 EST
"Terrible. They always cancel appointment, delay processing. Stay away!"
2009-08-29 11:48:18 EST
"No real customer service. 2 1/2 weeks after an accident that incapacitated our car the adjuster still had not seen the vehicle."
2009-09-08 22:18:31 EST
"The best claims service I have ever used! "
2009-09-14 13:55:29 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!!!"
2009-09-17 16:32:13 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"
2009-09-17 16:53:08 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."
2009-09-21 16:12:59 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. "
2009-09-29 15:28:35 EST
"Anytime I want something done, I call my agent, and he takes care of it right away. I have referred many friends and family to my agent, and they are all satisfied too. My rates are reasonable, and the customer service is fantastic."
2009-10-06 20:06:05 EST
"Denied the claim after I was hit and injured by an uninsured drunk driver."
2009-10-12 20:10:38 EST
"Very quick and helpful !!!!!"
2009-10-08 20:35:25 EST
"Workers Comp claim.
Filing a complaint with the Texas Insurance Commission.
Adjuster and Supervisor did everything possible to mislead client."
2009-10-19 11:54:02 EST
"maybe a little more expensive, but when you need them they are there to help. "
2009-10-22 16:21:34 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."
2009-10-30 09:13:40 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."
2009-10-30 12:04:26 EST
"They never pay and are extremely rude and They are very sneaky.Do yourself a favor and stay away from them."
2009-10-30 16:27:44 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. "
2009-11-03 01:43:28 EST
"Poor customer service, Rude adjusters "
2009-11-03 21:06:17 EST
"Always available, caring, informative staff. Highly recommend."
2009-11-04 22:21:36 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!!"
2009-11-11 15:34:57 EST
"Liberty was great! My local agent helped me thru the entire claims process. My car was totaled in the end but Liberty paid Gap insurance and I was able to get an upgrade!!
Two thumbs up!"
2009-11-12 08:35:29 EST
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