Liberty Mutual Claims Process

Understanding the Liberty Mutual Claims Process

Nobody is ever prepared for a car accident. Even the most defensive drivers on alert for changing road conditions and traffic patterns can find themselves blindsided by a collision. Thankfully, insurance companies can help make dealing with the fallout of car accidents a little easier.

The process of filing a car insurance claim doesn’t have to be complicated. Liberty Mutual makes handling the fallout from an accident as stress-free as possible. Keep reading to learn about what you’ll need to do in order to successfully file a claim and maximize your car accident settlement with Liberty Mutual.

Filing Your Claim

While you may want to leap into action and file a claim as soon as an accident occurs, it’s necessary to slow down and take a few initial steps before doing so. Ensure everyone at the scene gets the medical attention they need. Call police to report the accident and be sure to get a copy of their accident report when they finish their investigation. Once you’ve handled the damage at the scene, it’s time to file your claim with Liberty Mutual.

To file, you can download the official Liberty Mutual smartphone app or simply call 1-844-825-2467 to report your accident. Policyholders can also visit to submit their claim. It’s important to file in a timely manner, before important details about the crash slip your mind. Gather up all the information you can about the incident before calling Liberty Mutual. You’ll want the contact information of the other driver involved in the crash, plus photos of the damage and, if possible, statements from witnesses. Be ready to describe the incident in detail to the agent handling the claim. They can help guide you through next staeps, and in some cases may recommend going through the Liberty Mutual arbitration process instead of filing a claim or going to trial.

Reviewing the Damage

After you report your accident and begin your claim, a claims representative will be in touch. They will assist you with having your vehicle towed to a repair shop if your car is no longer drivable. Choose any shop you’d like, but to ensure a quick turnaround time on your estimate and 100 percent guaranteed repairs for as long as you still own the car, select a Guaranteed Repair Network shop.

Want to avoid a trip to the mechanic altogether? Cars with minor damage may qualify for Liberty Mutual’s Express Estimate program. Using the Liberty Mutual mobile app, policyholders can snap photos of the damage done to their car and submit. Within one business day, Liberty Mutual will send an estimate of what the repairs might cost. From there, you can take your vehicle in to any repair shop you’d like to have the repairs done.

At this point in the process, your claims representative can also help you get a rental car while your vehicle is being examined. Depending upon your coverage, you may qualify for a rental requiring no out of pocket expenses on your part. Check your policy to determine if you have rental coverage.

Handling the Finances

If a car can be repaired, you may be required to pay a deductible in order for work to be completed. The price of your deductible can be found in your auto policy. In most cases, Liberty Mutual will make payments directly to the repair shop where your car is being repaired.

Sometimes, the cost of the damage done in an accident outweighs the value of the car itself. If your vehicle has sustained a significant amount of damage, Liberty Mutual may opt not to pay for repairs. Instead, they will declare your car totaled and cut you a check for the total value of the vehicle before the accident occurred. Deductibles also come into play with totaled cars, too; you’ll likely receive the value of your vehicle minus the cost of your deductible. If you were not at fault for the wreck, however, the at-fault driver may be required to cover the cost of your deductible.

For those without Gap Insurance, you will be responsible for paying off the remainder of your vehicle loan if it exceeds the total value of your car before the crash. If you owe $5,000 on a car with a depreciated value of only $3,000, for example, you’ll still be required to pay your lender the $2,000 difference.

Not all damages are covered by auto insurance policies. In such cases, Liberty Mutual will explain why.

Other Kinds of Claims

If your vehicle has suffered only glass damage and you’re in need of a repaired or replaced windshield or window, you can quickly file a claim online or over the phone. Liberty Mutual works directly with Safelite to send technicians out to the homes of their policyholders for repair work.

Final Steps

Once all repairs are made and checks are paid out, your claim will be considered closed. Anyone with further questions or concerns should reach out to their claims representative for assistance. Auto insurance premiums may increase depending on how many claims you’ve filed with Liberty Mutual, the nature of such claims, and whether the policyholder was at fault for the accident.


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