How do I file an auto insurance claim with Liberty Mutual?
It's easy to file an auto insurance claim with Liberty Mutual. The company claims that it should only take up to ten minutes to file a Liberty Mutual claim online, but the process will depend on whether you are a Liberty Mutual customer or not. If you are not a customer, the Liberty Mutual claims process can take longer.
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Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Melanie Musson
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Brandon Frady
Updated November 2024
- You can file an auto insurance claim with Liberty Mutual in ten minutes
- When you are an existing customer, you can log into your online account to start the process
- When you’re filing against a Liberty Mutual policyholder, you can use a different portal to enter your information
When dealing with vehicle damage, you may want to learn how to file an auto insurance claim. In particular, you may want to know how to file an auto insurance claim with Liberty Mutual.
The process to file an auto insurance claim with Liberty Mutual depends on whether you are filing against an existing customer or are a policyholder yourself. Either way, you can handle this process online, and the company claims that it should only take five to 10 minutes to do this from start to finish.
How to File an Auto Insurance Claim if You’re a Liberty Mutual Customer
As a Liberty Mutual customer, you should have an online account already. Log in to this site and answer the questions. You need to submit documentation, such as photos of the damage, a copy of the police or accident report if applicable, and any supporting information.
The company will then assign a case representative who will contact you to explain the following steps. They will tell you if you need to file a police report after an accident.
If you prefer, you can always file a claim using the company’s mobile app. If you don’t have access to the Internet, you should call Liberty Mutual through its toll-free number.
Read more: What documentation do I need to file an auto insurance claim with Liberty Mutual?
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How to File an Auto Insurance Claim Against a Liberty Mutual Customer
If you are filing against a Liberty mutual customer or are a representative of an insurance company filing a claim, you should prepare to submit the same level of documentation.
However, in this case, you can log onto the company’s website and enter the customer’s policy number plus the last name of the insured. You can then access the step-by-step process to give the rest of the information.
Read more: How long does it take for Liberty Mutual to process an auto insurance claim?
What Happens After You File an Auto Insurance Claim with Liberty Mutual
As a customer, the next step should be to review the damage at a repair shop. Liberty Mutual has a guaranteed repair network, and there may be advantages to choosing a shop from that list, especially if you want to avoid an incident of when insurance won’t pay the repair shop’s quoted price.
Once the shop has completed repairs, Liberty Mutual will pay them directly if it is a part of the guaranteed repair network. However, remember that you will be responsible for paying the out-of-pocket deductible at that time.
What is an auto insurance deductible, and how does it work? An insurance deductible is the amount that you cover out of pocket for any damages. The insurance company will pay a repair shop the cost of repairs, minus your deductible, which you’ll have to pay yourself.
If you paid upfront, the insurance company will reimburse you the cost of repairs minus your deductible.
Liberty Mutual may also extend the use of a rental car at discounted rates with a chosen provider or through the company of your choice.
Read more: What is Liberty Mutual’s policy on rental car coverage during the claims process?
A Simple Way to File an Auto Insurance Claim With Liberty Mutual
The process to file an auto insurance claim with Liberty Mutual depends on whether you are a policyholder or claiming against one. However, the company claims it shouldn’t take more than 10 minutes to file using the step-by-step process on its website.
While your claim is in process, you can always log in to your online account to check its status. You’ll be able to contact your claims representative at that time for further information.
Frequently Asked Questions
How long does it take Liberty Mutual to review a claim?
This can depend on the type of claim and severity of the damage, but the company aims to review the details and get back to you within one to two business days.
What if a vehicle is a total loss?
If the amount it costs to repair a vehicle is more than it’s worth, the insurance company may declare it a “total loss.” The company typically pays you the actual cash value, less your deductible.
What is the guaranteed repair network?
Liberty Mutual has a partnership program with some collision repair facilities around the country. If you choose to repair your vehicle at one of these shops, the company will guarantee the repairs for as long as you own the vehicle.
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