
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Updated
Accidents happen. Liberty Mutual tries to take some of the stress out of the aftermath of an accident, whether you’re at fault or not. Liberty Mutual’s claims process is all about convenience. You can file one 24/7 online, on the app or over the phone. Plus, it has tech-savvy tools to make the process easier, like Express Estimates and photo guides.
Convenience is one of Liberty Mutual’s major selling points, and it’s clear in the claims process. Open 24/7, its claims department offers three ways to file a claim.
You can file a simple claim in five to 10 minutes, and use the portal to add incident photos, find a repairer and view status updates. Here are the steps once you’re on the Liberty Mutual website:
You can download the Liberty Mutual app from the Apple store, or on Google Play for Android users. The app allows you to file and manager claims with these features:
You can call the claims center at 844-825-2467. Be sure to have any relevant paperwork and personal information handy.
Resolve your claim quickly with an agent, online or through the app with:
Yes. However, Liberty Mutual’s Guaranteed Repair Network includes 2,000 preferred partners across the US, offering priority service, a 100% guarantee on the repairs and a streamlined payment process.
Liberty Mutual has a dedicated claims team and customer service representatives around the country.
For straightforward claims, Liberty Mutual pays damages up to your policy limits, less any deductibles. If you use a repair shop from its network, your repairs are guaranteed for as long as you own the vehicle.
After you file a claim, you’ll get a confirmation email and can expect to hear from a Liberty Mutual claims representative within 48 hours.
Your claim might not be covered under standard policy exclusions. View your policy online by logging in to your customer account and using the Liberty Mutual Coverage Compass. It’s a nifty tool that outlines what your policy does and doesn’t cover.
To dispute your claim resolution, contact Liberty Mutual’s customer service. If you’re still not happy with the way your complaint is handled, consult a lawyer or ask your state insurance department to investigate the issue.
Not necessarily. Your rates won’t go up if you added accident forgiveness and you’ve been accident free for five years, except in California.
If Liberty Mutual raises your rates, the new rate won’t go into effect until your existing policy ends. You’ll receive notification by mail 30 to 60 days before your policy is up for renewal.
Compare car insurance companies near you.
Your information is secure.
A major insurer, Liberty Mutual has the human and financial resources to address and pay out claims through a process that’s underpinned by convenience.
File and monitor your claim online or through Liberty Mutual’s app. And take advantage of tech-savvy tools like Express Estimates. Some customers say that while it’s easy to report a claim, the process that follows could be more supportive.
To get the best possible policy, compare car insurance providers to find the best fit for your needs.
Compare car insurance companies near you.
Your information is secure.
Here’s where to get financial help for yourself and your business if you’ve been affected by the storm in February 2021.
Find unusually low face values for a whole life policy, ideal for supplemental insurance.
Transform your home without leaving insurance gaps while your home’s under construction.
Preliminary data on fatal accidents and driving behavior could explain why drivers haven’t seen higher insurance refunds.
Learn how insurance companies use identifying info from your VIN to set rates.
Which type of car insurance policy fits your car and driving needs?
If your child gets sick or injured and has to take time away from college, tuition insurance can reimburse you for what you already paid.
Learn when your home insurance policy would and wouldn’t pay to remove this building material.
If you’re concerned your group disability insurance won’t replace enough of your income if you experience a disability, you can buy supplemental disability insurance.
With landfall expected Friday, know what your current policy covers and how to get federal government disaster relief.