Insurance (MP) Founded in Boston in 1912 Liberty Mutual Insurance Group had its beginnings as the Massachusetts Employees’ Insurance Association (MEIA). Today it is among the top 10 insurance companies in the world. Liberty Mutual Group through its various companies, offers a full line of insurance products for you and your entire family, including auto, home and life, as well as personal liability. For our purposes here we’re looking at Liberty Mutual auto insurance.
When it comes to auto insurance Liberty Mutual has the usual coverages and discounts as well as other options that make it worth considering. They also offer coverage for classic cars and car replacement. It has competitive rates and an overall customer good customer rating when compared to the best car insurance reviews. Liberty Mutual has 2,000 certified repair facilities nationwide, but you cannot access the list unless you are a member. While it’s not necessary to use its insurance’s facilities, Liberty Mutual guarantees repairs as long as you own the car.
Liberty Mutual Auto Coverage
Here’s Liberty Mutual basic auto coverage. The company has a range of benefits, features and services designed to help consumers save money and get back on the road quickly when they have a breakdown or accident.
⇒Bodily Injury Liability
⇒Property Damage Liability
⇒Medical Payments/No-Fault/Personal Injury Protection (name depends upon state)
⇒Uninsured / Underinsured Motorists
Liberty Mutual offers car insurance at highly competitive rates but with extra coverage for classic cars with options & discounts makes it worth considering.
Accident Forgiveness for policyholders with 3 years of no citations and 5 years of no accidents. There is no extra charge for this service, and the years considered may be with your previous company.
- Roadside assistance for those who have purchased Towing & Labor coverage.
- New car replacement. If you total your car the insurer will pay for a new car.
We looked at premiums for a specific profile in five areas across the country and compared them against those of the other agencies on our lineup. Liberty Mutual overall had prices competed well against its peers, and it offers lots of different discounts. Most discounts are similar to those of other companies – bundle discounts, discounts for members of certain organizations, hybrid vehicle discounts and more.
⇒Multi-vehicle- Discount for two or more vehicles on the same car insurance policy.
⇒Academic achievement- Discount for full-time students who meet certain academic criteria.
⇒Passive restraint/air bag Discount for factory-installed safety devices such as an air bag.
⇒Multi-policy- Discount for more than one type of policy with the same insurance provider.
Reporting the Claim
You can report a claim in a number of different ways – online, over the phone, or with your mobile device. But no matter how you report it there will be some information you need to have ready:
- If you weren’t driving – the name and address of the person who was
- Severity of the damage
- Information of anyone else involved (other drivers, witnesses, etc) is also helpful. Download their Accident Notes Form or the Liberty Mutual Mobile app to help you keep track of all the details.