Liberty Mutual - Auto

I just don't know how long I have to wait to hear something with this dangerous situation I have existing on my property. No one seems to care at all, and I had no part in this accident which occurred on my lawn by the client of Liberty Mutual Insurance Group of Somerset, NJ.

This winter might be my waterloo, and the tree might well come down in any storm with high winds or heavy rains (to say nothing of heavy snow). And it had the capability of going into the close street where there are many school buses and much regular traffic. I cannot see how any "responsible" insurance company or your office cannot be totally aware of this status, and how neither of you can see it is of the essence. But, obviously you both do, since this is over a year that I am fighting for my rights.

Ms. Brenda **, Liberty Mutual's Claims Team Manager, has libeled me in her letter to me. She said I have committed insurance fraud by insinuating my "own insurance company has said that this tree is not damaged." I have never gone through my insurance company with this claim. Why would I? It was Liberty Mutual's driver who received a ticket (as told to me by police) for reckless driving for missing the curve in the road and driving into my property causing me much damage and trauma from that day forward.

When is it right for anyone to say I have contacted my insurance company? And this is the second time I have been told this. Once, they came right out and said, "You also contacted your own insurance company, and that is considered fraud.' I agree, if I, in fact, did that. But, I most certainly did not. They claimed she said when interviewing her that she was not texting and didn't even have a cell phone. Well, we found her cell phone months later totally crushed among the trees.

They also damaged around my electrical box. All of those trees had to come down also, but they took no responsibility for them at all, in fact, never addressing them. I have pictures to show. It is where the medical personnel brought all their equipment to save the driver, who they thought initially was deceased. However, she survived after being air-lifted to a hospital.

Ms. Brenda and the rest of the crew at Liberty Mutual said she did not impact my oak tree. She impacted both a maple and an oak, and I have the pictures here to prove it. The oak, in fact, was the tree they did all their work near. Her driver's door was wedged up against it, and they tried desperately to reach her through that door but couldn't, since she was so impacted against that oak.

The front of one bumper in the front of her car hit the maple tree and that was treated with tree repair as soon as possible. They sent out the "expert" tree man who said the oak tree was not damaged at all and sent a picture of 'it" to prove his allegation. The only problem was he circled the maple tree and the oak tree. Right next to it was "totally dead." And this "expert" could not see this or the "tree for the forest"?

The maple has problems, but I will not take any tree down before its time. It was healthy this year and produced leaves, yet it produced no limbs, which is the actual sign of a healthy tree, not the production of leaves. But, the oak is totally petrified and dead as the proverbial doornail. So, their expert needs a refresher course, and his picture circling the maple as the oak was a mistake, which would not be made by a grammar school student unschooled in his profession.

Firstly, this is the oak tree that Liberty Mutual's tree expert said was alive and well. The tree above is the oak tree, and it will remain an oak, no matter what Liberty Mutual's tree expert says. God made this magnificent oak, and now Liberty Mutual and their client have destroyed God's work with their irresponsibility. I hope no others become complicit in this.

Secondly, these are the pictures of the car "totally wedged" into the oak tree at the driver's side door. They abandoned their rescue after much trying by many, many people and agencies, since they were unable to break that wedge. So they had to reverse course and go through the passenger side, removing the top of the car and more parts with the jaws of life. This went on for a significant amount of time, since they were at a standstill when the car could not be pried loose from the oak tree.

I have a picture of the car in question wedged into the oak tree. If you will look to the right in the picture, you will see my trees around the electrical box all alive and well. But, with all the equipment, each and every one of them died--6-8 of them--and removed. They fell down to the ground completely. They cannot remove the driver, because it is so thoroughly wedged in tightly.

I think all are ignoring me, because I am a medically handicapped 75-year-old widow who's trying her best to survive extensive cancer surgery. This stress, according to my doctor;s say, is not good for me at all. But, I can't seem to get anyone to take me seriously, and it is, in fact, stressful to the point of making me ill. Is this elder abuse? I have to wonder....or just plain incompetence, and everyone is treated ineptly when they make a claim in which they had no part? Are you all waiting for me to die, so you won't have to disperse another penny? It seems that way to a lot of my family and friends, since, to them, these pictures are so obvious, even Stevie Wonder could figure them out and get the right result.

Thank you in advance for your begged attention to my plight.

Our family has been waiting to settle a claim from a devastating fire and burglary since August 1, 2011. Our family has lost everything and more due to Liberty Mutual's lack of concern and fairness on handling the claim. We are not able to generate extra income due to our supplies not being replaced. Our clothes, damaged clothes, have not been cleaned and have been sitting in a warehouse for the last 4 1/2 months. We have not been reimbursed for clothing, cooking supplies, and basic necessities purchased for our basic survival. Our mileage of 40 miles/day taking our children back and forth to school and meals have not been reimbursed. All things considered, your unconcern for our family's well-being has caused financial devastation and additional stress to an already high-risk pregnancy. This ridiculous unnecessary stalling and attempts to find technicalities to deny our claim is heartless, negligent, done in bad faith.

Petition: https://www.change.org/petitions/stop-liberty-mutuals-deceptive-abusive-bad-faith-practices

My wife was T-boned by a Liberty Mutual policy holder after he ran the red light. Our car was totaled and my wife was taken to the local trauma hospital. After three years and no offer from them to settle, we finally retained an attorney. It has been six years now and my wife has undergone two more ankle surgeries and has been told that her ankle will never be the same. They have jacked us around in every way possible and have never paid us a penny! Our insurance paid for our car and now they claim that they are not responsible for any of the injuries she incurred in the accident!

I am lucky that I have health insurance through my work, otherwise, we would be broke and homeless. These people are shysters and crooks dressed as lawyers and masquerading as an insurance company. We will be in court soon and I hope the jury sees this company for the crooks they are.

I was involved in a small finder binder on 11/09. I was driving to work and a man in an '88 Honda had pulled over the crosswalk and stop coming from the right hand-side of a major road down the street from a high school. It was 7:45 and on a school day so slow is as fast as you can go. I didn't see that front of his car was in the intersection until it was too late. I bumped him going about 10m. The damage was minor and the police told us to let Liberty take care of it. We both had the same company. I called them and they called me back seven times. I was told that it was taken care of.

Then I got a call from their attorney telling me I was not with Liberty at the time. I called Liberty and again got someone new by now I think I have talked to 30 people. I was told that a claim was filed and it would be taken care of. Almost three years went by and I have been served by them again. OMG, this is nuts. They are trying to tell me I was dropped for 40 days and that they didn't have to tell me. And now I find out that they toiled out his car and they want me to pay for it and the worst thing is I have to and it's almost $9000. I cant find an attorney to help me. I just want to know what I can do and no one I call seems to understand how this has happened. I need help.

I called for an auto (2) quote and Ms. ** gave quote and also emailed it to me. After several phone tags, I finally got a hold of her and said I wanted to purchase Ins. Now the price went up twice during follow up calls. I felt like I was buying a used car. I finally gave up with Liberty Mutual and caution all to be careful.

I had Liberty Mutual because of lower rates but when I found a cheaper insurance, I called their office and had it canceled. I stopped thinking about it but after a couple of months, I got a letter and I was being sued for $100 for non payment. I don't understand why so I called them. Apparently, even after I canceled the policy, they still want my money. They are such a rip-off. Now, I have a bad credit mark on my credit report from them.

My car was flooded out by a Liberty Mutual adjuster who took pictures of the vehicle after tropical storm Irene struck. They sent me a breakdown of my car's features. The adjuster undervalued my car by omission of features it had. This was done on the other claims I had with them, also following the storm. Be very careful and read through every line item of your loss. They are making omissions in their favor. I have faxed them 9 pages of pre-incident documentation. And I spoke to a claims rep who looked at the photos. Their adjuster had taken and agreed with my findings that he neglected to put them on the loss report. I don't know what the disposition will be. It's still in process. But this is the 3rd case with them where I caught errors or omissions made on the claims processing paperwork in their favor.

It could have all been prevented by a call from your rep. I received a letter from the state of MA saying that my license plates had been revoked. I called Liberty Mutual, Hingham and was told that my insurance was cancelled for lack of payment. There was a summer bill that I did not get and asked why the rep could not have called. I was told that there were some changes going on during summer in the office, etc. They said that they had to rewrite my policy and I had to pay $1500 that day. Then the following day, I had to do to a Registry of Motor Vehicles to reinstate my plates. Well, I got there and the paper work from the rep was incorrect and the Hingham office said that they could not send the correct documents and that I had to pick them up. I am about 30 miles away and the Registry tells me that I cannot drive with invalid plates. I get on the train and go downtown Boston and the people at the downtown office gave me my paperwork and I had to go to the Registry in Chinatown in Boston, which is another $100.

I wasted 2 entire days on this garbage and all it would have taken is a call from my rep during summer. Oh and incidentally, all through this, the rep only called my once. I dealt with secretaries at the Hingham office. I called the Hingham office manager and she was kind and apologetic, but made no offer to make this situation right. I cannot believe they could not reinstate my insurance, which is now about twice what I was paying and $1500 out of pocket immediately. I am really miffed in Boston. Oh yeah! I never even got a copy of the new policy in the mail.

This is the worst treatment I have ever received from an adjuster for the auto claim I had with Liberty Mutual. They rushed me for the repair to their affiliate auto body shop. I got several calls for the appointment on 5 Jul 2011 at 2:00 p.m. from Liberty Mutual to take the car to Fix Auto at Science Park Drive and to Enterprise car rental. All three parties called me one after the other.

On the day that I took my car, I was told to stay with the car by the receptionist, but another man told me to give the car key to Charlie and sit in the waiting room. After a few minutes, Charlie came out and asked me if there is any other damage to the car. I said, "Only the right back door only and, of course, the front bumper from the rocks, which does not count." He went back out to the car and fixed it without any explanation of the damage. He came out again and talked about the layers of the paint and he said, "I fixed this for you for no charge to the insurance." He led me out to the car and it was shiny. He said, "Here is your shiny Audi." I was in shock and I did not know what to say.

I left the place and called Michele. I told her that the car looks okay now but after a car wash, if the paint goes off, I will call her back. To make it short, Charlie said that the old damage, which was on the different side of the door, was not repaired properly. If the new damage (the scrap) extends to the dent, then it will count. I told him that it shows on the picture that I sent to Michele. He said, "I do not have that picture." I said, "You can get it from her." I was closed to the car at that time and I touched it with my hand. I said, "I can see it now." He then lashed out on me.

Because there was no response from them after a few days, I called Liberty Mutual and talked with a lady named Sarah. She confirmed that Charlie has access to the pictures I sent them. I told her everything that happened when I was at the shop for the second time, and how I felt afterwards. A few days later, I received a letter from Ryan ** saying that there is no new damage. I had called the police because it was hard to communicate with the driver. He tried to clean up everything, even in front of the police. He cleaned up his car, but he could not clean it up. I am still at shock why someone can do this and go away with it.

Today this Travis Torsak guy called me up at my private residence and asked to speak to my son Jason Walston. I told him my son wasn't home and I hung up. I thought the conversation was over because my son was not there. Torsak immediately called me back and began to lecture me in an angry manner in my own home about how I didn't follow proper phone etiquette and say goodbye to him!!!! According to him, I didn't follow proper phone protocol!!!! What the hell is the matter with this guy? Somebody needs to get that boy into anger management classes before he loses all the Liberty Mutual business in Hendersonville. My son will sure as hell will not be buying automobile insurance from Liberty Mutual now! Torsak is a doofuss slob and has no people skills whatsoever.

This clown Travis ** of Liberty Mutual Automobile Insurance called my home asking to speak to my son about automobile insurance. I told this Travis guy that my son was not there (which was true) and hung up. Travis immediately called me back and reamed my ** out because I didn't use proper phone etiquette with him. Who the ** is he to call me at my private home and instruct me on proper phone etiquette? What a total **!!! ** Travis ** and ** all of you!!!

I was rear-ended in September 2010 by a Liberty Mutual insured driver's grandson. It turned out the grandson did not have a driver's license and was actually taken to jail.

When I talked with the adjuster, she told me that she needed to obtain a statement from the grandson as the grandparents (grandfather was at work and grandmother was out of town) stated they put the keys in a drawer. When the young man hit me (he said he dropped his cell phone and bent down to pick it up-- I was stopped at a red light), he was acting all crazy and stated he knew he should not have gone anywhere else and that he was going to be sent back to his mother if he got in trouble again.

I have never received any written communication from the adjuster. She simply returned phone calls and she has advised me to file on my no fault insurance and they can subrogate against them. This covered my medical bills and property damage but what about my injuries. I talked to her today and I asked her about advising her insured she was denying the claim and was told they have not denied the claim, that they have attempted to contact the driver and been gathering case law on the permissive driver issue.

When I called the main number and asked for her supervisor, I was told they could not just transfer me to a supervisor, that it was Liberty Mutual's policy and tried to help me. She pulled up my claim and made the comment that she could see that nothing had been done in a while. She then transferred me to another person who looked at the claim and said he would have Ms. ** call me back and if she didn't, to call him back. She then called and that is when she made a statement about how I should file on my own insurance and let them subrogate, and they were "gathering case law on the permissive user issue."

I found this site, along with many others, dealing with how Liberty Mutual is doing this to so many other claimants as well. Trying to get you to file on your own insurance and therefore not paying your bodily injury claims and then will "negotiate" with your insurance to not pay the full subrogation-- of course then you probably won't get your deductions back either.

I closed my Liberty mutual car insurance account with a zero ballance. Liberty mutual sent a fraudulent bill for past due to collections, damaging my spotless credit. I have contract evidence proving I owed nothing.

I am two weeks following an accident in which a Liberty Mutual insured driver made a left turn against traffic from Columbia Pike in Arlington, VA onto S. Edgewood Street and literally took a bike out from under me broadside. The bike was a total loss and I was lucky not to be killed outright.

I sent the person who handles injury claims the police report, photos of the bike from the bike shop, photos of all the lights on my bike, an itemized list of loss value of the bike, and although I was scraped and bruised, I did not claim injury to expedite the matter of compensation for lost property valued at some $1,950.

The person who handled injury was attentive and returned my calls almost immediately. The representative (Deona **) who is supposed to be "investigating" the property loss does not respond to emails or voicemail. I have complained about her lack of response to corporate. Obviously, they are all about making sure you don't have an injury claim and then, when they are in the clear on that, wait you out on property.

I contrast this with being rear-ended by a car in 1994 sustaining $4,000+ damages to my new Toyota. The driver was insured with Allstate who settled within a couple days with repairs and a loaner vehicle. Obviously Liberty Mutual is a new breed of insurance company. I ended up in the Eastbound Lane, but was not run over. My customized Giant Warp DS2 Dual-Suspension bike was a total loss.

Susan ** denied my insurance claim saying that I was unable to get a hold of witness. Sergeant Lee ** of Gladstone or the Police Department had no problems--and neither did Progressive, my insurance company. You can contact me at ** with case number: **. This incident happened on 1/12/2011. They are crooks, liars and thieves! My car got backed into by a heavy steel garbage truck and the driver denied it.

I was involved in an accident 05-09. The guy was insured with Liberty Mutual. He ran a stop and t-boned me .I've had one surgery and need another. I can't pay med. bills Because of this wreck I've lost 1st my Job, then my house, car, boat and have been living off my 401k which is now gone. I don't have money to buy food for myself and my 14 yr old son (single father) Liberty Mutual hasn't paid a penny. They just keep lying to me and putting me off.

I've been waiting 6 months for their recovery department to send me a check for deductible and out of pocket expenses. At first, they said it will take a few weeks. I received nothing. I called back and they said it will most likely take a few months. I received nothing.

I called back yet again and now they're saying it could take a year or more. If I wait a year, I'm assuming they're going to tell me its gonna take another 5 years. I have never missed a payment and have been a great customer of Liberty Mutual. Everything was great when I was sending them checks and had no problems. However, since my car has been hit by another driver (I have a police report stating that it was the other drivers fault), they are reluctant to send me the money I am entitled to. All I want is the $700 which is their responsibility to give me. Why am I sending them a check every month?

I have a complaint against Liberty Mutual Insurance Company and I am not sure how can I proceed. I contacted Liberty Mutual for an Auto Insurance policy in June 2010. I gave all my information, driving history and asked for a quote for auto insurance policy to start from June 7, 2010. They gave me a quote for one year ($1775). I also informed about the minor accident that happened in 2008 (claim of about $800) discussed in length about the accident. Then I agreed and paid the premium for 6 months ($887.50), which should bring my coverage till December 7th.

All of a sudden, I received a premium due notice with an increase of $161. The reason they are telling is that they got a report from RMV MA about the accident so they increased the premium. This is nothing but the same accident that I already disclosed upfront at the time of getting quote itself. Nothing new information was found in the report other than the same accident. So, how can they increase the premium later on when I already disclosed the information?

They also said that they got two reports one at the time of giving the quote with no history and then again after 10 days with an accident. Even this accident is the same as what I already reported upfront. Then how am I responsible for an RMV report error? Why should they increase the premium even though I disclosed the information upfront? Because of this, I cancelled my policy as of December 7th. They are telling that I am responsible for $85 otherwise, they will send it to collection agency.

Please suggest if I am responsible for this because I already disclosed the information upfront and they got the same information from the report. Also, I came to know about this only in November when they sent me the premium payment notice. They claim that they sent this in June, but I never received it or agreed to the increase in premium. Please advise me on what I can do about this.

On April 7, 2009, my car was wrongfully linked to an accident. I called this insurance company the same day to alert them to the fact of the situation and how I was not involved. I recently received a dramatic hike in my insurance premium. When I called to question the raise, I was met with the information that the raise was due to this "accident".

Apparently, it had gone through arbitration, not to any of my knowledge, and it was determined that I was 70% at fault for the accident. I was never questioned formally about what happened nor notified that any of this had taken place. What is so disturbing about this is that I truly had no involvement in the accident. I was a third party and more of a witness more than anything, but I was not even given the chance to give my side. They are now telling me that the decision was made, the money was paid out and I basically have to deal with this on my record. I would like this case re-investigated and they are basically refusing to do so. I suffered a $1500.00 increase in my premiums per year due to this. This is now on my record and I can not get rates from different companies without this "accident" taken into consideration.

I have been customer with Liberty for over 10 years. I purchased a North Carolina car, Integra GSR, nice no rust and dents. In 2/2009, my car was stolen. It was recovered with missing all of the engine components, tires and after market rims "Motegi MR7", everything are empty and damage inside the car. All the parts were torn up, broken dash and windshield, and damage on the outside. The car was a total loss. I submitted a claim in the morning it was stolen. Liberty shop around and used a car sold on that year in a small dealer to compare to my car. And that car was sold for $2400, who knows the car could be a rusted car for that price at the small auto sale.

They denied to my claims of the engine and all the parts I put on the car because I purchase the tires and rims from Craigs List and there is no receipt for them. Mr. Scott ** said, "Let him pay me for the $1900 minus $500 deductible and then he will work with me on the rest." Guest what, it was a trick Mr. Scott ** played on me. I believed him that he will get the remainder paid to me. I forget all other parts, all I was asking for was the set of tires and rims "MR7". Now, they ignored every email I sent him.

This is a ripped off company. Stay away from Liberty mutual. Do go with your preferred local auto insurance company or Geico is the cheapest. I am very sad about my loss of this car that I like very much. A North Carolina car with no rust, nice. I replaced the engine and put after market parts to the car and I lost everything.

I have been customer with Liberty for over 10 years. I purchased a North Carolina car, Integra GSR, nice no rust and dents. In 2/2009, my car was stolen. It was recovered with missing all of the engine components, tires and after market rims "Motegi MR7" everything are empty and damage inside the car. All the parts were torn up and broken dash and windshield and damage on out side. The car was a totaled loss.

I submitted a claim in the morning it was stolen. Liberty shop around and used a car sold on that year in a small dealer to compare to my car. And that car was sold for $2400, who knows the car could be a rusted car for that price at the small auto sale. They denied to my claims of the Engine, all the parts I put on the car because I purchase the Tires and Rims from Craigslist and there is no receipt for them. Mr. Scott ** said, let him pay me for the $1900 minus $500 deductible and then he will work with me on the rest. Guest what, it was a trick Mr. Scott ** played on me. I believed him that he will get the remainder paid to me. I forget all other parts, all I was asking for was the set of tires and rims "MOTEGI MR7". Now, they ignored every email I emailed him. This is a ripped off company. Stay away from Liberty mutual. Do go with your preferred local auto insurance company. Or Geico is the cheapest. I am very unhappy.

I had full coverage on two of my vehicles. Once a tree fell on and the insurance company not only refused to pay. They opened a fraud investigation on me! Then, the other one a rock hit the oil pan and the engine was damage and despite the mechanic showing them the oil pan and telling them what happened, they still had it towed to their dealership and I was stuck with a $295 diagnostic fee and storage at $5 a day and had to pay to tow my car back because they said it was normal wear and tear! They are are frauds and crooks.

(Claim# 13231404-03) My car was damaged in a rear end collision, by a Liberty Mutual insured driver. After no luck in reaching the driver, my insurance carrier took over and repaired my car immediately. After 6 months of waiting, Liberty Mutual claimed they only owed for used parts, according to state law, even though their driver, and lack of response, was at fault. Our insurance carrier and my company's deductible was partially withheld, because Liberty Mutual stayed quiet, and played the game from the bottom of the deck.

The economics for my company was maybe $100 of the deductible that we had left to pay, and maybe another $900 that Cincinnati Insurance paid out. All for the recklessness of a Liberty Mutual driver, and claims person. Has the world gone insane?

A driver insured by Liberty Mutual hit me from behind in a automobile accident last December. I have been injured, got a few slipped discs in my back. I went to therapy and now I'm stuck with all these bills and Liberty Mutual is taking forever to get back to my lawyer to resolve this issue.

I had car insurance through them since I was 16. 2 months before my 22nd birthday, I was involved in a car accident. Damage looked to be very small but after having a body shop I was told the frame was heavily bent and that there would be about 6000 worth of damage. The value of the car was 7,000 which would total the car out. After speaking with the insurance company on Friday, they said to take everything out of the car that was mine because on Monday it was going to the junkyard where an adjuster would look at it to make sure it is totaled.

On Tuesday, I called the insurance company and they told me it was in fact totaled. So I need a car and I went out and bought one on Wednesday. I had already applied for a car loan on Saturday and my credit union called me on Monday and told me I was approved. So now, on that Friday, the insurance company called me and told me that the adjuster just looked at it and there is only 4500 worth of damage and it wouldn't be totaled. Well, I had a loan on the car and now I had to take a loan out on a new car and I cannot afford 2 car loans. On top of that when they cut me the check for the damage, they made it out to the bank which just put it on the principle balance of the car.

I was in a car accident. I was hit from behind while at a red light driving my dad's car on July 6th. I've been out of work since then. My father is covered by Liberty and they paid him for the car damage. Now, I'm supposed to be covered by pip insurance, I'm not at fault. Got the report, they had a check for me and canceled it saying I have no job, so I get no lost wages.

The funny thing is I do work I do have a job. Been out of work for 3 months with no income, 2 children and lots of bills. They don't return my or my lawyer's calls. I'm temporally on a medical leave but I'm sure they have no problem getting a hold of us when we owe them. Neck and shoulder injuries and lots of over due bills.

My husband called me at work one day, fuming that Liberty Mutual was taking over 650.00 out of his check a month for our insurance. Which when totaled up comes to approximately $7,824.00 a year. I told him I did not realize this since it was auto debited from his check. I called Liberty Mutual and asked to have declaration sheets of all of our policies faxed to me at work. They faxed them over and in looking at them was appalled at what we were paying for our insurance a year. We have with them, 4 autos, 2 four wheelers, 2 Harleys and our homeowners insurance.

We have been with them since 2003 and have had one claim for auto. We were paying 2650.00 a year for two motorcycles. Neither my husband or I have bad driving records, we have great credit scores and take care of our belongings. I called Liberty and talked with Mike about why we were paying so much and he said, "That does sound like a lot. " He said let me re-rate you and see what it comes to. He called me back and said that after he re-rated us that our insurance would be a little over 2700.00 a year for everything! I asked him if we were going to be refunded any money for the outrageous premiums we were paying and he said it doesn't work that way.

I also asked him why he wouldn't have recommended re-rating us sooner and he said he only does that when his clients call and complain about the cost of their premiums. I doubt that anything can be done but I think that this equates to legal robbery. If this is how the insurance companies do business there needs to be laws or definite changes made to protect consumers from these large companies only out for their pockets! The economic damage that resulted is that we were paying approximately 4000.00 more a year in insurance than we should have been because we didn't call once a year to be "re-rated" for lower insurance!

I recently added $9000.00 worth of extra coverage on my insurance because of the custom work I had done to my 1971 Cutlass. The car was stolen a month after the coverage was added from my home. I have insurance through Liberty Mutual. This has been 1 of the worse experiences ever. My case of course has been sent to Special Investigations. This investigator Allen ** has interrogated me & my wife, asked for my credit report, if I am late on my child support, credit card statements, bank statements, phone records, text records etc. to be submitted. He came to my home looking around saying how nice it was then commence to asking personal questions that I really thought were none of his business. Am I not allowed to have anything nice because I'm a young African American?

Does any late bill I may have, have to do with my car rolling out of the driveway? If I had the car and put thousands of dollars into it, doesn't that mean that I can afford it apparently? Funny that no one was investigating how I was paying my insurance every month. I mean get real! Anyhow, now I have to go give a deposition at Liberty Mutual's attorney office in Marietta, Georgia. Am I being accused of fraud? Should I get an attorney? What's the deal? I just want them to do what's right. I will not be getting life insurance with these **, definitely wouldn't expect my family to be taken care of should I die if I can't even get paid for a stolen car while I'm alive. Well, I signed a release for the car today. It had been stripped down to the frame. My wife is very stressed about Liberty Mutual's service & the fact that we will have to spend money to get what is owed to us. This has caused us both mental anguish.

My husband was in a no fault accident in December of 2008. It has been recorded as no fault throughout the process. Now, it is time again to renew, they coded it "at fault" and raised my policy by almost $2,000.00. I spoke to at least 3 people at the Commack address and finally, I reached the 800 number and found out that it is coded as "at fault". I just hate to be schemed like I am a moron. Liberty Mutual needs a payment by the 18th of this month, and on one has gotten back to me as they said they would.

After having Liberty Mutual Insurance for several years and decided to go with another incurance company we were turned over to collections. Apparently they gave us partial credit for our Home owner insurance and never notified us of oweing $43.70 for our car insurance which normally come out our our checking account. I called and they said they only mailed on invoice which apparently I did not receive and turned over to collections. I would not advise adnyone of using this compoany.

I currently have renters insurance as well as auto insurance with Liberty Mutual. At my home, about 5 weeks ago, we had a burglary take place. Roughly $13,000 worth of items were taken. This has never happened to us before. Dealing with Liberty Mutual is worse then dealing with the actual burglary. They lack response to your emails/phone calls. They are rude on the phone and in emails. They will not tell you how long the process "may take". they treat you like the criminal..You hear that alot when reading stories of bad insurance companies, but believe me, when i say they treat you like the criminal, THEY DO!!! they send special investigator from the company out to "interview you" however, i call it, interrogating..

The special investigator is very much lacking peoples skills. This gentleman was an elderly man, who made it a point to state he is a retired detective with the police department. Yet , now that he works for an insurance company, he needs to realize he isnt a "detective" anymore and not everyone is a criminal!!!! we have NEVER felt more victimized twice, Once by the crooks whom broke into our home, and 2nd, from Liberty Mutual. I have spoken to 3 agents with liberty mutual, each time, they tell me "we will not give you any information until the investigation is over". They tell me if i have any questions, to speak with the investigator on the "case"..I emailed him a VERY cordial email. see copy below:

"Dear Mr. *******,

Thank you so much for returning my phone call this evening and keeping me informed..If you have any idea on how much longer the research will take, i would greatly appreciate that. I thoroughly understand there is a process in which the claim takes. However, after tomorrow, it will be a month since the break in and we are anxious to replace lost items as soon as feasible. *****, is a type 1 diabetic and used the "leg massager" nightly for the circulation in his lower extremities and that is certainly something we are wanting to replace soon.. If you could give me an idea of how much longer the process may take, we would greatly appreciate it..If there is any further information you may need as well, please let me know and i can do my best to accomodate.

Thanks again,"

I received a reply that was very short and not personable or professional. As always the investigator does not responde with a Dear *****, or anything pleasant, no sympathy, is not empathic, simply one dimensional.

his response was simply this:

"As I advised you I can not give you a date only that the claim still is under investigation;"

i never asked for a "date" only a rough estimate on how long something like this takes. These people will not fill you in. 5th week now and im no better at understanding where i am versus the day our house was broken into..

STAY away from this company. They are not nice, not friendly, not professional and will treat YOU like the crook versus the victim.

My family was in a car accident on May 22nd with a person insured by Liberty Mutual. I was seriously injured and the other driver was cited for failure to grant right of way. The other driver made a left in front of the vehicle I was a passenger in. Consequently Liberty Mutual has informed us that they will only be paying 70% of a $7000 repair bill because we should have tried to do more to avoid hitting the person who decided to make a left when we were 20 ft away!

A client of their property damaged my truck. I filed a claim and received a call from liberty once. I tried calling back numerous times because I missed the call and got no responses back. So I called, asked for anyone and was told numerous stories that my claims person was away and was not in or some other excuse.

Was called a liar over and over. Presidential higher ups told me what ever there Duluth office says was what the company agrees with my truck has been sitting unusable for all most 3 weeks because they refused to do their job as an insurance company. Then I was told I needed to find a tow truck, they extended the rental a day at a time and now refused to extend it any further. My trucks had been sitting on flat tire for this whole time which has worsened the damage to the truck. I have filed a complaint with state insurance department but they have not even contacted them back.

Used the online form to get a quote for car insurance. After about an hour of struggling my way through a form that wouldn't let me get rid of popup windows that didn't work, I finally finished.

And what is the result? Some vague message that says that based on the info I have given them they won't give me a quote. No explanation of why they won't make a quote. This is a lousy way to treat a sincere customer; not give any explanation of why they don't give a quote. Now I have no idea whether it's me or them.

I won't mess with them again for any reason.

Accident in 2002 suburban that resulted in $8,000+ damage. When I picked up my vehicle, I noted that my rear liftgate was difficult to open and once opened would not stay up. Liberty Mutual (LM) stated that it is "normal wear and tear as the vehicle is 8 years old" attempting to negate the fact that the frontal impact did not cause the rear liftgate to malfunction. At the same time, LM replaced the rear bumper and a rear tail light, which further indicates that the rear of my vehicle was directly affected. I further attest the following: To the "lay-person", this highly suggests both direct and indirect impact of the accident caused damage to the rear of the vehicle as well, but Liberty adjusters are denying both the possibility and the probability that the impact of the crash has caused the malfunction of the rear liftgate.

Also, after being on all of the GM parts websites, I found that Liberty Mutual has allowed Haley to overcharge them and possibly me and every other consumer for parts! This is appalling and outrageous considering the hard financial times that most Americans are trying to negotiate. This cost is directly and indirectly absorbed by Liberty Mutual and obviously passed on to trusting consumers like myself. In sum, Liberty Mutual would rather "mince-words" with me regarding my liftgate which would cost less to fix than the time we have spent talking about it and callously allow a service center to overcharge for parts for my vehicle and pass this on to me. LM refuses to fix my liftgate nor return a January 31, 2010 email that I sent to both Mr. ** and Mr. **.

My son and his friends were involved in a collision. While driving through a green light, a man in a company car attempted to make a left turn in front of them. Of course he was not successful, and my son hit him. The car was totaled, and the company van only had a scratch. The police and ambulance was called, and my son and his friends were transported to the hospital. The man in the company van was given a ticket. After a week, I contacted Liberty Mutual, and was told by Michael, If my son was 10% at fault, they would not pay for my son's totaled car, and his insurance company should pay. This accident happened in January 2010, and we still have not heard from them. I would like a lawyer to sue Liberty Mutual.

10/31/09 My Jeep was in accident with an Alamo rental car. Rental driver sighted. First spoke with Elco ins for Alamo, then it went to Liberty, then another Travelers. Took six weeks for them all to figure out who was primary ins ect. Six weeks for me to get a rental car. They have been rude On 12/15/09 a call from William Lee an adjuster with Liberty saying they were going to total my jeep the treshole is 80% my damages were 87%. I still owe $16.000 and they only want to give me less than half to the policy holder. It will leave me without wheels and bad credit. Mr Lee was rushing me to go sign release of my jeep to them.

On 12/16/09 I CALLED Katie in the total lose dept. She was a fast talker still wanting me to sign over jeep rattling off figures to me I told her I would not sign anything untill I saw figures. She said they would start taking storage fees off my share if I didn't agree now. I had back surgery 11/18/09 and couldn't even come home in my jeep because of the damage. Lisa told me early on to just tie up the bumper; I did three times and the body shop said on 11/2/09 it was not safe to drive. Plus a blizzard here and lossing one hour of work every day, because I leave before sun up and have no right head light. I don't feel I am being unreasonable!!! I have been thru hell for seven weeks and was my jeep fixed, keep the rental till it's done OR replace it and pay off my loan.

In 2003 I was involved in a MVA. I was coming down a hill in dinwiddie county va, when a car stopped in the middle of the hill I hit the person from the back. the lady and I was transported to the nearest hospital. I was confined to the hospital for five days,and the person I hit was released from the hospital that night. she continue to work without missing one day from work. I on the other hand am permanent disable due to accident. My neck is broke, because of the MVA. liberty mutual only gave me $2,000 and I had full coverage on my van. The impact was so severe that the dash board and steering wheel broke in my vehicle. the steering wheel broke into my stomach and the seat belt broke my neck. I have been out of work since 2003 due to my injuries I suffered in the accident. I tried to get a claim form on several occasions, and a person from the insurance company stated to me"WE DONT OWE YOU ANYMORE MONEY AND I WILL SEND YOU A PAPER THAT WILL STATE THIS" and she hung up on me.

I have tried for many years to get compensation from my policy and it fell on deaf ears. I have been in rehab for several years. the lady sued me for $550,000 and won the case. At the hearing I stated that it might have been a insurance scam, because the other person was not hurt. I also stated that due to the person stopping in the mist of ongoing traffic, which caused the accident. I was not charged with following to close or reckless driving. Her lawyer asked me WHY didnt I get charged with reckless or something like that. I am currently receiving disability from UNUM long term disabilty due to the injuries I am currently suffering from. I had to retire from my job, working for the state of va, with four teenage children.

In 2005 I received notice that a class action lawsuit was being placed against liberty mutual, for permenament injuries sustained during a accident and liberty mutual did not pay out to their customers. I contacted the agency that was handling the case. I was sent paper work that I had to provide information that support my claim. They sent me information and I filled out many papers and I even had to get the information notorized. I sent all paper work back by expiration date. I received over the years many postcards, and the last one I received was in OCT 2008, stating that the court has approved the lawsuit and compensation will be given out in 180 days, which brings it to April 2009. I have not received a check nor any correspondent explaining why I have not received a check yet. My question is who do I need to contct concerning this matter

I received a Notice from my car insurance company (on or about 09/18/2009) that the automatic withdrawal amount to my bank was gonna go up from $141.18 to $374.08. This amount was to be withdrawn 2 days after 09/30/09. When I called and asked them why such a drastic change, they said its because I have 10 points on my driving record. I told them that that is incorrect, and I went to the DMV the next day, they confirmed I only have 2 points, and I got a print out to that affect.

When I again called my insurance company, they said that the 10 points are insurance points, and so the new rate stands. I began searching for a new insurance company, and I called Liberty Mutual on 09/30/09 to tell them that I wanted to cancel. I then got a bill for 374.08 for the month of September. I called them to try and find out why I was getting a bill, I was under the impression that the amount stated to be billed on 09/30/2009 was for the month of October, not for the month that had already passed.

They said that bill that was gonna be charged 09/30/2009 was for the month of September. I ask them how could they charge me more then double for a months worth of insurance when they had only mailed out a notice that the amount they charge was gonna go up, half way through the month. (as stated above, notice was received on or about 09/18/2009, and is dated 09/15/2009). They said that there is nothing they can due to override the amount, and that I owe it.

I'm thinking this was the "bait and switch" operation tried out on Subaru owners. I'm shopping around again.

I carried minimum insurance on a 1997 Ford Escort with Liberty Mutual. On Dec. 11th, 2008 I bought a 2005 Mercury Grand Marquis. That night an ice storm caused a bunch of tree limbs to crash down on the Grand Marquis. I called expecting to hear that the insurance I carried over was not sufficient, I didn't switch it in time and there was nothing they could do, which would have been perfectly fine.

However the person I talked to said there was a grace period for switching over and or increasing the insurance, but no need to do that, we'll send an "investigator" out. Not a whole lot to investigate, there are the tree limbs that hit my car, and there is the smashed car. She asked if I upgraded my coverage within the grace period. I told her no I was told to wait for her. I then asked if I should upgrade my coverage and was I still within the grace period. She said I should "hold off"... After some time I called to ask the status of the claim.

Guess what? They said I didn't switch over coverage in time because the grace period elapsed. Played me like a fiddle. When I expressed my displeasure, they said it didn't matter anyway because their computers showed the car had not been titled until the 15th of December - after the claim.

When the registry of motor vehicles finally mailed me the title, guess what? It was titled on the 11th. Liberty Mutual is a poster child for corporate bad behavior.

When I refused to take the 30% based on my position and the police report. The insurance employee requested a fax of the report. Few days later they send claim forms that where sent back together with police report and estimate. A week later they sent a letter saying that they will only pay 30%. Exactly what they said before they read the police report.

claim and trusted that company would have represented us with the integrity and customer service that [their] Mission Statement promises.

On April 11, 2009, our car was hit by an elderly man who fled the scene and returned later; he and his insurance company (Wawanesa) took full responsibility for the accident and we relied on Liberty Mutual to represent us in good faith to make certain our car was restored. Originally I found out that the other insurance company was in Canada and only had two satellite offices in California and therefore I decided to involve Liberty Mutual for better representation. Also, we have a customized policy with Liberty Mutual for this vehicle which would ensure that the car would be restored if it were ever damaged.

At the time of the accident, there were witnesses including a store manager that helped us. I was parked in a grocery store parking lot. Witnesses were all very surprised at the way my car was hit and the velocity with which it had been hit. They described that the elderly gentleman's Cadillac accelerated backwards and had crossed several parking spaces and then across the aisle. He hit my car with enough force to lift the back end of my car up onto the trunk of his Cadillac and then pushed my car into a curb and up onto a berm that separated the parking lots. There was damage to my rear bumper, front bumper, driver's side door, and the driver's side rear tail light.

The man fled the scene hitting another car in the process. A witness who followed him down the street and into a dead-end stated that the man later accelerated at the same rate of speed toward his vehicle and almost slammed into his vehicle. This is when the driver decided to return to the scene of the accident where police were waiting for him.

As a result of the accident, since mid-April I have been speaking with "Team Six" in the Auto Claims Department in Sacramento. I have spoken to (and forgive me if I have misspelled some names) Myrna, Rose, Ryan, Chelsey, and Kevin D. I have been treated in a manor that falls far short of Liberty Mutual's Mission Statement including being challenged, insulted, spoken to in very sarcastic tones by Kevin D., and overall have never been treated so poorly in this manner by any company ever. My conversations have been documented; as I went up through the network of claims representatives the attitude was blatantly in violation of the principles [their] company stands on.

I own a customized 1991 Mustang GT and have carried an extended policy on it for an additional $9000.00 for the better part of five years. I was hit by a driver whose insurance company has admitted full responsibility. Claims didn't have my police report for a long period of time and were challenging me on the damage that was incurred. At one point in speaking with Claims I was told that Liberty would replace both the rear and front bumpers; later it was rescinded and they stated only the back bumper would be replaced. Later the supervisor(s) stated that the way the accident occurred couldn't have possibly happened, that the damage that occurred could never have happened and yet they never even spoke to witnesses.

The last straw was last week. On May 14, 2009, our mechanic was contacted by a Liberty Mutual adjustor (Ron D.) who was coming to see the car on May 15, 2009 between 2:00 and 2:30 p.m. This was the second time an adjustor was coming to see the car and my wife and I thought that perhaps Liberty was finally going to resolve the concerns we had and we took time away from our schedule to meet him. We were there at 2:00 p.m. and he never showed up. By 4:30 p.m. I left a message for Chelsea in Claims to find out where the adjustor was (I never heard back from her). At the same time, the mechanic found the phone number to Mr. D. and left him a message that they we were all waiting. Having received the mechanic's message Mr. D. called back at about 5:00 p.m. and said that the Claims Department had cancelled the appointment and told him not to come. We waited three hours. No notification, no explanation, nothing.

Employees of Liberty Mutual (outside of Claims) who I have spoken to including Account Representatives, Account Supervisors, and the Corporate Office have ALL been appalled at the way we are being treated and said contacting you is the only recourse before filing legal

action. This includes Scott P., Account Supervisor from Liberty Mutual who has been completely shocked, dismayed and even angered at the unprofessional treatment I have received from the Auto Claims Division. When I was contacted today by the main supervisor (Gunther) from Auto Claims he essentially stated that he sided with the Claims Representatives in that nothing else will be done with my car-- it's essentially at a stalemate.

My car was hit by someone whose insurance company assumes full responsibility. In addition, I have paid for additional insurance coverage through Liberty Mutual for this vehicle in case of an accident. Why would Liberty Mutual's Claims Department want to provide second-hand products to replace my rear bumper and taillight (as described by the representatives)? We are not cashing the Liberty Mutual check sent to us as my car has more damage than the first adjustor found and because the Claims Division has essentially sent the message that the claim in done despite rescinding their promise to also replace the front bumper.

In conclusion, I do not believe we have not been unreasonable in the request for replacement. A fair resolution to this problem as mentioned in a report that I am sending to the CA State Department of Insurance is the following: Have the front and rear bumpers replaced

with new parts; The driver's side door aligned to the body of the car (due to the impact); The two rear tail lights replaced with new parts; The car fully repainted to match.

[We] are requesting that consumer affairs conduct an on-the-record review of the complaint that is being filed against Liberty Mutual Insurance Company regarding, claim # 011845135-01 that was filed on 7/31/2009. Cheryl M. a Senior Customer Claim Specialist, representing Liberty Mutual Insurance Company has acted, and continues to act in bad faith by failing to pay the full value of a first party claim, and has violated Maryland articles 31.15.12.00. Liberty Mutual has failed to advise me of Insurance Regulation 04-125. Liberty Mutual has acknowledged receipt of the following items requests that I have sent, and has failed to respond:

(1)- a detailed explanation of the insurers calculation of the motor vehicles value total loss value, including the value added to the motor vehicle by options. (2) A list of all deductions that will be made from the value of the motor vehicle (3) A copy of the inspection guidelines relied on by the insurer to determine the condition of the vehicle at the time of the loss. E mails were sent on 8/12/2009 to Cheryl M. and 8/14/2009. Liberty Mutual has yet to respond, with a complete copy of the inspection guidelines.

(4) Liberty Mutual has failed to inform me that the claimant may, in writing reject the settlement offer and make a counter offer. I have provided Liberty Mutual a counteroffer on August 11, 2009 per regulations. The counteroffer included: Dealer quotations for a substantially similar motor vehicle of the same year and model, with the same major options as the damaged vehicle. Along with the July 2009 NADA values on the car. Advertisements for a substantially similar motor vehicle.

(5) Liberty Mutual has failed to include in their offers for settlement the applicable taxes and transfer fees. They refuse to include the Maryland Tag Transfer Fee of $10, in any of the settlement offers. (6) Liberty Mutual has produced an inaccurate list of deductions that will be made from the motor vehicle. They stated that the spare tire was missing when it is actually with the vehicle. The headliner and interior trim they state need to be replaced when in fact the headliner and interior only shows minor wear and tear for a 1996 Honda Civic. The Autosource conditioning standards were misapplied for condition of the vehicle. An E mail was sent on 8/12/2009 to Cheryl M. contained pictures of the spare tire, headliner and interior trim showing, minor wear to the interior trim, and good headliner condition per the Autosource total loss condition book. Liberty Mutual to date has not modified and refuses to address with me their assessment of the preexisting damages.

Liberty Mutual in their most recent settlement offer are now charging a deduction of 10% of the vehicles ACV as a standard reconditioning fee, I have sent an e mail on August 14, 2009 to Cheryl M. requesting a detailed explanation of items that need to be reconditioned on the vehicle. She has yet to provide either documentation proving that reconditioning is needed, or that the car has abnormal wear and tear for a 13year old vehicle, or a list of the preexisting damage items.

I have been provided with total of 3 settlement offers by liberty Mutual. The first 2 offers I have requested a detailed explanation of the deductions made to the ACV of the vehicle, they refused to provide me with any substantial documentation. On the final settlement offer they did not include a deduction for unrelated prior damage; instead they have taken 10% off of the ACV for a dealer reconditioning fee, and have refused to provide a complete list of items that merit reconditioning.

Liberty Mutual Settlement offer #1 Is a market comparison listing 10 vehicles, with only 3 being a similar EX model. The remaining 7 were a DX models. The Honda Civic DX is the value line with an original MSRP of $11,900 per NADA. The Honda Civic EX it the top of the line with an original MSRP of $15,330 per NADA. This was clearly not a comparable market search. Liberty Mutual's assessment of the preexisting damage on this offer, contained deductions for items that were both undamaged and items that they claimed were missing, when in fact they were not missing from the car.

Liberty Mutual Settlement offer #2. This offer consisted of a market search of 1 vehicle. When I asked Cheryl M. why only 1 vehicle was used as a comparison vehicle for the market search, I was told that they only needed to show 1 similar vehicle to call it a market search. Liberty Mutual provided a phone number for the seller of this vehicle that is currently unreachable and despite several attempts to contact is unavailable. I am unable to both contact the seller and inspect the alleged comparable market vehicle. Liberty Mutual has not provided evidence that this comparison vehicle is for sale thru a qualified dealer, and the seller is not reasonably convent, or reachable.

Liberty Mutual Settlement offer #3. Cheryl M. advised me on 8/12/2009 via e mail that the vehicles ACV would now be calculated by using a combination of NADA and Redbook averages. When the offer was presented to me it included preexisting damage adjustments/ conditioning supported with pages from the Autosource Total Loss condition book. Liberty Mutual clearly lied to me on how they were going to access that value of my vehicle. Redbook and NADA only, were not used to value my car, as stated in the e mail.

The "conditioning" that Liberty Mutual is taking for my vehicle they state is for fluid changes, cleaning, and repairs. Liberty Mutual supervisor Theresa P. has revised the deductions being made to my vehicle on to include a additional undisclosed amount withheld from the settlement. Liberty Mutual refuses to provide any other specifics (per the August 14th e mail) on the deductions made to the actual cash value of my vehicle in this settlement offer.

Please note that insurance statutes or regulations of several states establish Red Book values as an alternative standard, i.e., by requiring that insurance payments for total losses be at least equal either to Red Book value or to an average of the Red Book and Bluebook values. The offer of these averages of Red Book and Blue Book satisfied a market because the laws of certain states use that average figure as a minimum for insurance payments upon the total loss of a vehicle. The offer of $3566.25 is less than the average of Bluebook and Redbook, thus does not even constitute the average minimum offer.

My counteroffer given to Liberty Mutual on August 11, 2009, has yet to be responded to by Liberty Mutual. I have not within 5 days received any written explanations of why the information relied on by the claimant in the counteroffer does not provide a more accurate valuation than the information relied on by the insurer in its offer.

My counteroffer was composed of July 2009 NADA retail values for the car. A market search, and substantiated with a broad unbiased market search of dealers and private party sellers in 2 separate geographical circles around zip code 20882. All the vehicles were currently listed for sale, and were 1996 Honda Civic EX models. The vehicle and seller information was given to and received by Liberty Mutual.

Geographical search #1 was within 100 miles of zip code 20882. 6 vehicles currently listed for sale with an average price of $4060. , an average mileage of 164602 miles. Geographical search #2 was within 500 miles to provide a larger sampling of vehicles. 16 vehicles were sampled with an average price of $4535. , an average mileage of 149651 miles. July 2009 NADA retail value on the car of $4175

My counteroffer is fair, and reasonable and still stands as Vehicle ACV of $4125 from the July 2009 NADA for the Easter Region of the USA

Maryland tax of 6% 247.50; Maryland Tag fee of $10; Maryland title fee of $50; Total loss settlement offer to be $4432.50

Liberty Mutual has made several settlement offers, each contains multiple inaccuracies that Mrs. M. refuses to correct, and or explain. I look forward in speaking with you so I can better describe my complaint in detail, so as the additional multiple bad faith actions by Liberty Mutual can be explained, and documentation provided.

My car was damaged 6/17 and considered a totaled loss. The car has a lien holder that Liberty Mutual listed on the policy. They have now found a problem because the car was registered to a relative and the loan. Which we had a written agreement that I would continue to make the paymnets to or pay the balance in full and the title would be released clearly to me. My claim was refered to the special investigation dept. and they have been stalling me around for going on 60 days. Allen Williams, who is handling my claim, never contacted me until I contact him.

This is very very frustrated. I have had this policy for 3 years.Since my car is considered a total loss

they now find that they may not be liable. It should have been stated to me at the time I insured with them and added the lien holder with all the info. I am now carless and the company I thought was on my side is not. May I should have insured with Nationwide. The entire staff there that I have spoken with has given me problems. They are acting in bad faith. I've sent a complaint te insurance commissioner and awaitng for their response. i really do not want to deal with Liberty Mutual reps anymore. Because Ive complained to supervisor,Manager & president til I fed up. Because they all stick together. Whatever happened to customer service? They sure dont have it.

We were in a car accident. We were traveling northbound on a road, the other driver pulled out of an apartment complex making a left in fron of my wife. She slammed on the brakes and cut the wheel to avoid the accident. While she could not avoid the collision the cars hit. The police came and entered a report. Liberty Mutual did a liability assessment and determined that my wife was at fault 10% of the accident because she was traveling 25mph on a 25mph road. They said that due to the rain earlier in the day that she should have been going 20 in the 25 because that is the safe speed at that point. Now somebody hit me and I am not only out a car but am out 10% of the dammage. My insurance company told me that they believe that we are 0%liable and that they should cover everything however Liberty Mutual would not budge and we have to pay the 10%. Employees at Liberty Mutual agree that this is bogus and that we should not have to pay anything, yet nothing is going to be done about this. It is not fail that I have to pay for someone hiting me.

I used my AMEX to rent the vehicle and relied on the AMEX insurance to protect in case of accident. A police report was made and the insurance companies were notified immediately.

Amex managed the repairs to the Corvette to relieve me of this burden, but held off informing me about their method of covering the personal effects for almost 16 months post loss. Then LM was notified directly and they sat on the claim for about 1 year. The claim was returned to AMEX who settled some of the items damaged.

Now LM is refusing to manage the balance even with though receipts, damaged items and investigative reports are available. I believe LM is acting wrongly and should pay for my losses as they represent the one who damaged the rental car I was driving and prevented me from having access to the items in the car.

Because AMEX covered most items to a very minimum extent, LM is liable for the rest. In particular is one item, a fingerprint scanner and the attached computer valued at about $10k. Other issue involves the loss of use and the length of time LM has delayed my requests for reimbursement in order to settle this claim.
I expect Liberty Mutual to compensate me for my losses in total and more because of the delay in time.

Can you help or what can I do to get this claim moving and closed??

Had a 1991 Dodge Intrepid, 2004 was declared totaled given $500.

In 2009 Pontiac Montana Mini-van rear lift gate was "repaired". After receiving the car rear door would stick just as it did before the claim and we would have to pull it to open it. Had an inspector to by my home, he said that it was the strike plate and it needed to be adjusted.

I was hit by a Liberty Mutual customer. She was exiting a primary school parking lot, and I was driving on the narrow two lane road in front of it. All drivers were either stopped or going very slowly, as students were being picked up by parents, or crossing the road with a crossing guard. I honked to let her know she was about to hit me. She did not stop and hit me anyway. She destroyed the passenger side of my car, as she hit the side straight on.

After giving me her insurance info, her address and phone number, and after I checked to make sure the three children in her van were ok, she left.

I called her insurance company, Liberty Mutual, and began a claim. I then went to the local police station to file a report.

The next day, I took my car to the body shop Liberty told me to go to, and got the appraisal. I was told it would probably be a total loss, as the damage was severe. My car is a Volvo, and I kept it is excellent condition.

I had to call Liberty Mutual every day for a week, and spoke to many different people. They had not talked to their client, and dragged their feet about getting me a rental car.

Finally,an agent in the loss department set up a rental for me and said they would accept liability. Their client had fabricated a total lie about the accident to make it seem that she was parked on the street, and a truck was in her way. How she hit me, she never explained. There is no parking at all on this road, which we pointed out to the agent. I think he realized she wa totally lying.

I am still waiting to hear from an adjuster, and have no idea what to. Liberty Mutual is not handling this at all. I am being led on and I am frustrated beyond belief. What on earth is wrong with them? Are they in trouble financially and hoping to delay all expenses, even when their client is 100% at fault?

-25 miles an hour . the car hit us so hard it caused me to fall off and land about 10 feet from the bike . My boyfriend and I were hurt , I was taken to the hospital right away .

What the hell we were in front of him !!!! We got a lawery right away but we are still fighting to get the bike fixed . and payment for medical and the fact that I or both of us could have been killed . the driver of the car was given a ticket for following to close , that was it . what a joke !!!!!

After 8 years of being a loyal customer to Liberty Mutual, my good driving record and ontime monthly payments were not enough to satisfy this money hungry organization. My premiums were raised this past January by more than 150%. When I called to question how my rates could have gone up after 8 years of having no claims and ontime service I was told that all premiums were raised across the board. When the agent asked me a couple of questions about our vehicles and distance my family drives to work, they raised my premiums even higher. My husband commutes to work is less than 2 miles a day. My commute to work is less than 10 miles a day. After calling around I was able to find better coverage with a different provider for $150 less a month! I feel completely taken advantage of. To top it off, we received an additional bill. We paid our premium in full on the first of the month. Canceled our policy on the 17th of the same month. Shouldn't I get a refund on the excess? Not according to agents with Liberty Mutual. Customer Service representatives were belittling and unwilling to help me understand this bill. I would never recommend this company to anyone.

My wife and I let our policy lapse (life got confusing and it was all our fault!) But when I went in to my local Liberty Mutual office, the lady at the desk printed all of my policies (I have 2 houses, 3 cars, and 2 motorcycles, all with Liberty) and told me what date they would bill. I asked her what I owed currently and she said I didn't owe at that moment and to just wait for the bill. One of my policies had already lapsed at this point (motorcycles) and another was already behind and about to lapse (cars).

The cars lapsed before I found out about it and when I went, checkbook in hand to get things caught up, I was informed I would have to pay for the arears (no problem) and one year in advance. I've called around and a new customer pays their first 3 or 6 months normally. Liberty Mutual wanted a full year. Yes, after 8 years with them, I let my payment lapse once and I'm treated worse than someone they've never even done business with. I'm currently shopping my insurance. I pay them approx. $3500 annually. I would expect to be treated a bit better than this!

They deny to pay for the repair of my car. They the problem already existed prior to the accident. However, my car operated fine, until, on Jan 21 occured my accident. There was damage to the wheel and auto body. From that day on, my car swerved at any crack on the road. One month later, I saw that the wheels were in a butterfly position. I saw then that postergating the repair had ended. The car has damaged to the suspension and buffings, as I understand it, and some more the mechanic knows about. But the insurance refuses to pay.

The car is inoperative until it is repaired. As estimated so far, it runs around $3500, but the insurance wishes to pay about $200. This is causing so much stress to me that my cervical is in acute need for a masseuse.

I recieve a notice in the mail from my local Credit union that Liberty Mutual could save me money on my car insurance. After getting the quote it was much less expensive. Agent Ken A then sent an emial statng they needed also the make model of car of my adult daughter who does NOT even live at home INCLUDING a copy of HER insurance coverage on her car as well as HER policy number. My daughter has her own car her own loan and her own insurance and does not live at home. I asked why I had to get someone else personal info and Ken emailed back stating it was for my underwritting puposes. I refused and my daughter refused to give them her information for MY insurance quote. These people are shady!

I was hit by a vehicle on 3rd Feb 2009. Initially the insurance company stated that they would fix the car based on an independent adjuster's (hired by them) estimate of $2,293. I had gotten as estimate for approximately $3,400 to get the car fixed. When I went to the body shop with the estimate of 2,293 obtained from the independent adjuster, the body shop and adjuster went over the damage and came up with an additional $830 at which time the insurance company wanted to total the car. The offer they made was $2370. This is almost 100% the first estimate ($ 2293) to fix the car - my question was why wasn't the car totaled then? I knew something was fishy. One of the pages in the independent adjuster report, lists the car value as 4,150 per NADA. Kelly blue book suggested retail value is (copy attached): Excellent - $5,785 Also,

Black book retail value report which varies from 6,475 to 3,200 depending on the condition. Exactly one year before the accident, I had spent $1900 to get the car in top condition. One day before the accident, I spent 250 dollars to replace the front wind shield. The insurance company is not giving any credit to these at all. One noteworthy point here is: When the adjuster first did an estimate, only $ 250 were deducted due to high mileage. However, when they decided to total the car, they deducted $ 1,271. They still havent given me a reasonable explanation for this.

I strongly believe I have been cheated in this regard. I have enclosed copies of these pages as well. I also sent links to several cars that are on sale around the area, varying anywhere from 7,000 to 4,000. They say they do not use Kelly Blue Book, NADA, Black Book which are widely used and respected, instead use their own adjuster's report. Considering all the above quotes, I am asking the insurance company for $4,000 or fix my car. The insurance company has also not fully reimbursed me for the rental. I had an out of pocket expense of $126. My car involved in the accident was a Nissan Maxima and I rented a Camry. Insurance Company says I rented a bigger car! I have 2 small kids with car seat, how do they expect me to fit it in a smaller car?

Charged for 4 cars (had 3), suppose to send check with credit my mail. When never received the check, told that credit was applied to the policy balance. Monthly payments went from $374 to $613 (over 1 month) to over $ 1000. When questioned the increase, told that changes were made to the policy but not able to explained waaht changes. Salesmen playing with words, not anwering questions, manager delgating and not following up nor returniong calls.

loss of work time (hours), aggrevation

March 2007, Husband had accident while making a left turn where another car going striaght hit him although that car was behind another car in turning lane seemingly making a left turn in other direction. Driver apparently did not want to make this turn so he quickly swung around the car in front of him and ran the red light hitting husbands car. There was a reliable witness who testified to this yet Liberty Mutual charged my husband as being at fault and granted money to other party for car damage. Car was about a 1968 car!

Man was fine, seen talking to police officers at scene while my husband and his passenger were taken by ambulance to hospital. They thought my husband had broken neck and he spent over 24 hours in a collar immobilizing him causing great suffering since he has a neck conition. Despite this, we later found out that the other party was also suing for bodily injury and Liberty Mutual did nothing to help us. Case is presently in litigation due to lack of honesty and blatent dissregard for the testamony of the witness. Rates were doubled, bad enough but now, we just received new policy.

It is more then 1 1/2 years since any accidents or violations and premium went up by another $1200 and the only excuse was that NYS raised rates! $1200 a year! Thought rates would go down somewhat since records of all drivers have been good since around 1 1/2 years ago. Shame on this company, we never even recovered the loss on our car that was totalled and much newer then the other parties very old car. How can this country allow these insurance companies to just do whatever they want with no recourse for the consumer?

Economic disaster. Had to remove all but liability coverage on cars, 2 of which should still be covered, but cannot afford to. They really have you over a barrel with no possible resolution and no one really listening or investigating the real facts.

Ten years later, I found that Liberty Mutual had me in a higher tier for my car insurance. I had owned a jeep, but when I sold it 10 years ago, they failed to adjust my insurance and put me into the appropriate tier. When it was adjusted, due to my having them requote my insurance, my car insurance went down $1800 per year.

After 10 years I'm guessing I was overcharged by $15000 to 18000 dollars! I feel they knowingly left me in the wrong tier when they were notified to drop insurance on the Jeep and trade it for an older model S10 pick up truck. What do you think?

On December 4, 2008 I was hit by a Liberty Mutual insured. She had crossed 6 lanes of road (turning left out of a grocery store parking lot) to hit me. I had seen her make this wide turn, so to avoid her hitting me I switched from the middle to the far right lane (out of her way). She STILL hit me. She claimed she did not see me (i was the only car on the road). I filed the claim with Liberty Mutual and they said they needed to get an estimate and would contact me to set it up. No call ever came. I finally called them the next week.. having to give them most of the information again. They were nice enough to ask me when the best time to call is. I told them 9am-5pm. They called me at 8am the next day... why bother to ask me?

A month after the accident, the appraiser finally came out. They accepted 100% liability (i think that the lady who hit me admitted fault or else it probably wouldn't have been that easy). Got my car into the shop the following monday. It was fixed on Friday...couldn't be released because Liberty Mutual hasn't ok'd anything. Here I am a week after my car is fixed...still nothing.

Called Liberty Mutual, they told me that they would look into it. The car shop I deal with say that Liberty Mutual is notorious for delaying payment. Hmm... I guess anyway to avoid putting out the money (avoiding calling me when they say they will, avoid setting up an appraisal, avoid paying the car shop... pattern here? The other thing that irritates me is that my Claimes Representative has not been available one time in the last two months to take my call. If a company is going to give a contact name for a client to CONTACT, they might want to make sure that CONTACT is going to be available at least sometime!

I was recently in an accident involiving a liberty mutual clint.While diving down the road the gentalman lost his rear left side tire. the tire then came into my side of traffic and hit my car. He attmitted to being 100% at fault.I called the ins.company the next day(friday) to get a rental so that i may return to work.I got a complete run around and still have no car and havnt spoke to anyone who will help me,it is now monday afternoon and i still havnt heard from anyone. I went to the towing company on friday morning the day after my accident to take pictures of my 2008 honda civic

While i was there The gentalman that i was involved in the accident with was there and he already had his rental and was allset to go about his day to day routine.Myself and one of my passengers were injured in the accident not once did this company show any concern for our well being.I was extremley lucky that nothing happened to my 4 year old daughter.I have been told that we are very lucky to be alive!!!!!!!!!!!

I can only call this a tactic to inflate their revenues and would also think that this must be a violation of law in issuing premium notices that are inflated and are much higher than what the premium can and should be. If anyone else has them as their carrier, you may want to call upon receipt of your premium notice and see if they will re-quote your policy as well. What a rip off!!

spoke with Underwriting and escalated the matter to an Underwriting supervisor as well and received the same response: "If there are 2 or more claims on a given policy totaling $1500 or more within a 3 year period, a policy will go up for non-renewal. Underwriting does take into consideration multi-line policies, length of time with the company and other factors however since you are a fairly new customer this worked against you."

I believe it is unfair for Underwriting to cancel my policy for claims. I find it difficult to comprehend the purpose of insurance. As defined in the dictionary Protection against risk or loss by means of a contract between two parties whereby the insurer guarantees payment of sum of money to the insured in the event of a specified contingency, as personal disability or loss of life or property, in return for the payment of fixed premiums. How ironic is it that the Liberty Mutual will gladly collect payment for premiums for people which have no losses but refuse to pay it back when a loss occurs or drops the insured as a result of a loss. Is this not what insurance is for? I missed that portion in the definition of insurance.

I'll first say I have always felt that you personally have been more than professional, courteous and helpful when dealing with me on numerous tasks/concerns in regards to my policy when I was with Liberty Mutual and as I can surely understand that things can fall through the cracks from time to time. I also believe I'm a reasonable person who looks for reasonable and fair answers. with that said, this particular email is mainly on behave but not limited to my daughter and her policy....But since I don't know who else I would send such an email I was hoping you could forward it to the appropriate Manager.

The latest "Oh well" discourtesy was experienced in regards to my daughter Katie's policy that was cancelled without notice in October....I'll repeat that because it warrants repeating..."WITHOUT NOTICE" no letter was EVER received stating Liberty Mutual's intent to cancel the policy...

After speaking with a rep this past Saturday night (Kyle H) in regards to a check received that day as adjustment for the cancellation of her policy. Surprisingly we learned only then that the policy was terminated and the rep explained it was due to her being 2 months behind...so at this point we checked her on line bank transactions as far back as 7/09/2008 til present and all payments were transacted as paid completed with the last one being $100 on 11/06/2008 (when the 11/06/2008 payment was made, we were curious why a bill hadn't been received as of yet but transacted the $100 payment knowing it should be more than enough based on prior billing and in a good faith effort towards the policy) so I expressed this to the rep..This was not an expectable means to resolve the issue with the rep so I had to pay with my credit card $227 to reinstate the policy immediately because she had been diving around UNINSURED and not knowing it.......I had asked why no noticed of cancellation was received at the policy holders address and he explained that there was a notice sent....this I will say this with 100% certainty...There was absolutely and positively No noticed ever received by mail or otherwise of this cancellation or any other advisory for that matter...

Today Katie called Liberty Mutual to try and understand why this had happen and she was told that the payments were in fact received but they were being credited to last years policy or something convoluted like that and the policy therefore had gone delinquent..(???)...the explanation as explained to her in the "oh well, it is what it is" tone, which by the way, I have become all to familiar with hearing as a punctuation to any inquiry from various reps at Liberty Mutual,,, the last digit on the banking account had been for last year and unknown to us we were responsible to update/change it to reflect the new year's policy...??? this is confusing to me for the simple reason its November and under that logic this issue should have arose a long time ago...no response is necessary of the fore mention, I don't think I could "hang-on" to the rational of the explanation...ie: our year goes from July to June or something like that and the policy holder needs to be on top of those things etc, etc, etc..

I can except the banking error explanation to a degree. What I can't come to grips with is that since Liberty Mutual obviously identified and understands the error better than the customer, why couldn't Liberty Mutual, if nothing other than a courtesy, inform the policy holder of the discretion back when it was found before such a incident like this could even happen..? This was easily preventable had Liberty Mutual contacted us with this information..

My contention is how can Liberty Mutual receive money/payment for what was clearly intended to honor her account and watch it go delinquent because of a numerical account # error Liberty Mutual was more than qualified to identify but choose not to inform her about...that doesn't seem right on a lot of levels..

Here are some simple facts;

- My new insurer advised me that my policy in regards to my automobiles were underinsured. **wow** I didn't know this and Liberty Mutual never once felt the need to inform me of this....bottom line is my new Insurer gave me the same policy Liberty Mutual offered me with the exception I now have better coverage on my vehicles and I saved a appx $700 a year..

-My daughter Sara received the same policy Liberty Mutual offered her for a $250 savings at another Insurer..

-My daughter Katie is experiencing anxiety about her current policy due to the callous response to an issue Liberty Mutual believes not to be their problem which leaves her fearful this could easily happen again...

Liberty does NOT call you back, everytime you call them they are still reviewing the case. No b/c they did not DO THEIR JOB they are denying my claim, it's been since July that I have had a paycheck. I was wondering if anyone has considered a class action suit? I would like to do the same. I am in jeopardy of loosing everything I have, behind in bills, my credit is being destroyed.

A liberty Mutual insured totaled our 2006 Ford F350 service truck. It has been almost a month since the accident. They have offered us a ridiciously low offer for our truck. Liberty mutual will not give us any back up information to document there dollar amount.

Liberty mutual will not return phone calls or emails in a timely manner. I have contacted the California Insurance Department. We will see what happens.

Liberty Mutual should be paying us about $50,000 for truck, tools, lost time,rentals,ETC. They have offered us $17,000.

My husabnd was involved in a auto accident on 08/03/05. My husband WAS NOT at fault...the other driver was and she also was injured in the accident. We have had Liberty Mutual Insurance for over 10 years...just recently we thought we would check out rates from other insurance companies when lo-and-behold we found out that Liberty Mutual HAD MY HUSBAND as the responsible party for the accident and because of that, we have been over-paying them approximately $20.00 a month since that time for an ERROR MADE BY THEM.

We recently switched to AAA and STILL, they have my husband as being at fault. They told us that Liberty Mutal WOULD HAVE to change this info for us to get a cheaper rate. I have obtained a copy of the police report reflecting that HE WASN'T AT FAULT...Please adise. I believe that Liberty Mutual (seeing that they were in error) owes us approximately $1080.

SO...are insurance rates continue to be higher than what it really should be...and there is no way AAA can change the rate...that Liberty Mutual needs to change it for us to pay a more reasonable amount.

I had Liberty Mutual Insurance for several years. I purchaised it because the rates they offered were the lowest and they gave me a discount through my employer. In September of 2008 I got in to a Car accident, running over some construction materials left in the middle of the road. It was dark and rainy and no one could see them. My car was damaged. I took the car to my family mechanic, a knowlegeble person i trust. the adjustor came to the shop and after reviewing the damage said that some of it could not have been caused by the accident, even though I had a police report. My mechanic explained to him how it could have happened. It took several hrs and a supervisor visit to convince the adjustor that the damage in question was caused by the accident. The adjustor proceeded with the estimate and said that he would give me all used parts. My mechanic told me that some of the parts can not be used because it may put me in danger while driving later on, but the adjustor didn't care to listen. He said it was company policy to give used parts. After the parts came, they were in bad shape, not even close to what I had. I tried calling the company. They were rude on the phone and would not change their minds. At this time we are trying to get the adjustor to go back to the garage to show him that the parts he paid for are not good. SO far no luck makeing that appointment. Stay away from Liberty Mutual! they will give you low rates, but god forbid you have an accident, they will cover as little as they possible can. they are rude and don't care about your safety.

I ended up paying a lot of money to fix my car!

While I was on my way home two months ago, I was in the left hand turning lane on a busy road. I was hit by a car who obviously didn't care that I was already in the turning lane. I had been in the turn lane for a few seconds when he pulled out and hit me on the front left part of my car. I was kind, we called to police, and after two hours or so, we got everything worked out. He was cited for the accident by the police officers.

After my insurance found him 100% at fault, and I hadn't heard anything from Liberty Mutual, I called them. After leaving several messages because I couldn't reach anyone, I finally reached someone. the claims agent called me back a day or two later and stated that I was 35% at fault and their driver was 65% at fault. They claimed that I didn't have my blinker on, I should have honked, and I didn't make any kind of evasive action to avoid it. NEVERMIND the fact that I was doing nothing wrong, and their driver did NOT have the right of way.

They are actually claiming that I should have swerved to get out of the way. SWERVED INTO ONCOMING TRAFFIC so that their driver wouldn't be found at fault? I don't think so. By the way, we are only talking about them refusing to pay about $300-$400 more in damages for my 35%, but it's really about the principle of the matter.

My husband broke his neck and wore a Halo for 3 mos. Had a huge chunk riped off the top of his head that had about 25 stitches. Lots of road rash, terrible bruising etc. My sister broke all of the toes on one foot. Plus has a bad back worse then before. I have whiplash (neck pain) that I am still doctoring with. I've taken therapy for 7 mos. and have seen a spine specialist. He says hopefully it will still heal itself, but it is possible I might have to live with it. He says that our bodies all have been thru so much trama. That it can take a couple of years to even get better. If at all.

My auto policy is not expired until 8-4-08 and I have paid off all of the premiums for policy year of 07-08, yet Liberty Mutual billed me and made a due date of 7-24-08 for the 08-09 policy year. I called the customer no service line and was told they billed me early this year because they billed me late last year. I told her it makes no difference because I already paid for all of the premiums dued this policy year and that they should not bill me until after the new policy year starts.

I also told her they never billed me this early in previous years, why this year, she had no good explanation. I told her I feel they are trying to cheat me and I would not pay the new premium until my new policy begins on 8-4-08. She told me that I actually will not be considered late even if I don't pay until after 8-4-08. I believe that during this difficult economic times, these predators are trying to cheat on their own customers. What do you think? I told them so myself!

I am an insured policy holder who was in an acident in my insured vehicle. The company determined my claim as a total loss and proceeded accordingly. The company took an excessive amount of time performing all actions and never remained in contact with me. At 30 days i was told i had reached my rental coverage limit even thought they had not yet even mailed my settlement check or agreed on the final details.(their policy states and was affirmed by employees) that in the event of a total loss a rental car is provided at minimum till 3 days after the final settlement is agreed upon. however this did not take place, and then i was told a check was in the mail that was over 10 days ago, and i have yet to receive a check.

I want to be compensated for my lack of having a vehicle and would like compensation for my having to rent my own vehicle and borrow, and pay for transportation for an excess of 29 days.another issue is they wrongly accused me of being at fault even though i have photos and whitnesses that contradict that and the report clearly states i did not have a stop sign yet their report was taken wrong. i have photos, notes of who and when i spoke to, etc.

I have had no transportation for over 29 days, and was now told on 5-28-08 that the check had not been mailed. i have had to leave work early and take time off to move around their business hours and address this issue. And i have had finicial problems due to the excessive cost of transportation i have had to address.

My car was hit by a salt truck the accident reported. I wanted my deductible back since it was not my fault. I sent at least 15 e-mails and numerous phone calls to my insurance agent as to when we would settle the claim. Not one follow-up call or e-mail. Finally I left a voice mail and said that I was calling the Insurance Commission and reporting all companies involved.

I finally received a return call and the agent had the gall to say that I was justified in calling the Insurance Commission thinking I was calling on the other company. I told Ms. Maltz that I was giving her name as well. It took over two months to receive a check....but only two days after I threatened to call!

My son was in auto accident in my Jeep 12-14-2006. I filed a claim with Adam Bridge. He lied and said he has contacted my witness and the State Court but, Has Not. My son was found Not Guility and Liberty Mutual refuse to settle this claim or pay for $9,000.00 worth dental work my son needs. Can Insurance Agent lie and get away with It? Can I get help without getting attorney? I want to settle this claim in Good Faith. Can you help?

On 3/31/08 my car was stolen. I was in immediate contact with Liberty Mutual & the police. On 4/1/08 I had my first conversation with my claims adjuster Fernando. At that time he approved a rental car for 4 days even though my policy had a max of $900 per incident. On Monday 4/7/08 I called in once again to extend the rental which was granted for 1 additional week. The following Monday 4/14/08 I again called in to extend the rental & was told the claim had been turned over to the SIU department & I would have to turn the rental in or pay out of pocket & would be reimbursed IF the claim was paid.

That same day I was in contact with the SIU investigator Allen W. I was told he was waiting on the affidavit I had completed & returned to Fernando on 4/4/08. He also advised me that the following week of 4/21/08 he would be on vacation & would contact me the week after. I then called my agent Kelly to see if there was something she could do. She advised me she would see what she could do. I never heard back from her. I finally contacted her again on Friday 4/18/08 to advise her how dissatisfied I was with her & her company.

When I did not hear from Mr. W by Monday 4/28/08. I contacted him on 4/29/08 & left a message. He called me back on 4/30/08 to tell me he was on vacation. I was livid as I was told he would be on vacation the week prior. I then called back to find out who his manager was & left a message for Dexter W. I received a return call from Gary of which the call was missed. He did not leave a return number. He did leave a message to say he would contact me later that day around 3:45 as he was in between meeting traveling. I never heard back from him. I tracked his number down & left him several messages. Have yet to hear from him.

Today 5/5/08 I spoke with Allen W again to see where we were with the claim status & was advised he was still waiting on the affidavit. I then contacted Fernando manager Robin to see why Allen still had not received the affidavit that was sent back to Liberty Mutual over 30 days ago. She inturn faxed the report to Allen. We scheduled an appointment for Wednesday 5/7/08. He asked at that time for me to provide him with my last 2 months bank statments & my cell phone records. Which I provided that same day.

I believe they are stalling to not settle the claim & because I have contacted the GA Insurance commisioner. On Friday 5/9/08 I contacted Mr. W again via email to see where we were with the claim. He advised me that the car was found on Thursday 5/8/08 severely burned and he would possible need more documents. I have yet to receive a call from the Police throughout this entire matter. Several messages have been left. I also contacted the storage place where I was advised the car was & was told they did not have the car. However Allen insist it that it is there.

It has been 43 days & I am no closer to a resolution than I was the day I filed the claim. I have been more than cooperative & now I am fed up. I was asked on Monday 5/12/08 to fax a complete 12 months bank statements as well as the last 4 months credit cards statements. Which I did the same day with no hesitation. I do not have a car. I am paying for a car I do not have & am dealing with a company who doesn't know what customer service is. They are acting in bad faith & I need some help to get this matter resolved.

Emotionally I am stressed & burned out. I am borrowing a car which is not dependable.Not knowing if the car I'm driving will break down at any given moment.

My husband and I were involved in an automobile accident on Sunday, 2-10-08. We were waiting stationary in our car with my husband at the wheel facing north waiting to turn left into a Dollar Tree parking lot at the 5100 block of Garth Road in Baytown, Texas. The other driver, a Liberty Mutual insured, was traveling southbound on Garth Road and pulled into the turn lane and slammed into our stationary car as we were waiting to turn left. The Liberty Mutual insured was issued 4 different tickets for 1) no Texas driver's license, 2) no current state of Texas license plates, 3) no current state of Texas inspection tags and 4) unsafe lane change. My husband and I were issued NO tickets at all. For the last week we have been without a car as our car was not drivable, and Liberty Mutual is dragging out this investigation. We have been given NO rental car by Liberty Mutual or anything. All we are wanting is for Liberty Mutual to accept liability and to fix our car that was only purchased on 1-22-08, and to provide us with a rental car while our car is being repaired. This has been an utter nightmare, and it is entirely the fault of Liberty Mutual's insured.

Liberty Mutual does not care one bit ,and their client is responsible. Also, we both were very sore right after the accident and hadthe mental anguish of realizing that we could have been killed by this maniac driver.

I hit an armadillo with my brand new PT Cruiser. The car lost all its water, 3 quarts of oil left the engine, and ended up spraying under the engine of the car and the underside of the body. Liberty Mutual paid for the bodywork repairs to the car, but the body shop is not able to find where the oil left the engine. They diagnosed 3 quarts missing from the engine; they say it cooked from the engine. They are unable to say through which port or seal the oil left the engine, and Liberty Mutual is unwilling to pay for this car to be taken to Chrysler for for investigation and remedy of this. The car is still at the body shop. I cannot drive this car while I or they do not know if this will happen again. I am already $1500 out of pocket with copays/ car rental, etc. I cannot afford to be stranded at the side of the road with this car. My car is my livelihood.

I am out of pocket more than $1500 so far and have $500 more if and when I collect this car from the body shop. I am suffering great stress through this. I cannot drive this car while I cannot rely on its roadworthy-ness, and I am paying double the gas driving my miles in another, more fuel-consuming vehicle.

My auto was damaged by a Liberty Mutual policy holder. The Liberty Mutual policy holder admitted fault and provided me with his drivers license, insurance policy, and other required information. The police would not respond because it was a minor accident and they would have had to travel over 20 miles. I immediately notified Liberty Mutual insurance company. They were initially very helpful and provided me a claim number and point of contact. I was instructed to take my car to a Libery Mutual authorized repair center for an estimate. I did as instructed. I had no other contact for several days. I attempted to find out the status by calling the designated point of contact. Liberty Mutual kept delaying and finally a month had passed with no resolution. I kept my insurance company USAA informed throughout this process. USAA has been very supportive and assisted me in resolving this matter with Libert Mutual. Liberty Mutual refused to pay the claim. USAA paid the claim less the $500.00 deductable.

broken window, damaged radio, loss of speakers and amplifer.

I was involved in a car accident. A Pepsi truck hit me from behind and police gave the truck driver a ticket. My personal property was damage. I been trying for 2 months to have someone from the insurance to come to verify the damage.The Insurance representative is playing seek/hide game. I'm serving in Iraq and hard for me to contact the insurance management.

My computer, TV, uniforms were destroyed and need to replace them, before prices goes up.

I separated from my wife 6/2004. She was a non-driver, but the above company stated she needed to be on my auto policy when we married 1/2001. I called the company 6/2004 and asked to have my wife removed from the policy as we no longer resided together. My wife faxed a copy of the lease of her new residence to the company. However, her name still remains on my policy. I am now told that I need to have her fax the papers again. We were officially divorced 11/2005 but the company refuses to accept a Divorce Decree and current lease without my ex-wife's name on it as proof that she no longer needs to be on the policy.

I remain economically liable for any damages my ex-wife may incur. I have no control over my ex-wife and cannot cause her to re-submit any needed paperwork. It is unreasonable for the company to continue to make me liable for the foregoing and they should accept the Divorce Decree and Lease as proof that my ex-wife should no longer be on my Policy.

On or about March 3rd, 2004, I purchased a new vehicle for my wife. At that time I called Liberty Mutual to add the new vehicle. Yesterday, July 6th, 2004, I received a letter from the State of Colorado, Insurance Identification Program, indicating that my 1994 Ford does not currently have insurance. I contacted Liberty Mutual this morning (7/07/04) at 6:40 am MST; spoke with a representative (Nancy), who indicated that my vehicle was removed from the policy. When I inquired as to how this happened, the answer was “the representative may have misunderstood your request.” I am lost at how this could have been misunderstood? I simply called and asked to have a vehicle added.