Home > Ellis Law Blog > How to File a Car Accident Claim with Liberty Mutual in California
If you have been in a car accident, it is important to file a claim with your insurance company as soon as possible. Failing to do so could result in lower payouts for your damages. This post will walk you through the process of filing a car accident claim with Liberty Mutual in California. Keep reading for more information!
What You Need to Do After a Car Accident
If you’ve been in a car accident, the first thing you should do is call the police and file a report. Even if the damage seems minor, it’s important to have an official record of what happened. Once you’ve done that, you can start the claims process with your insurance company.
How to File a Claim with Liberty Mutual
If you live in California, there are a few things you need to know about filing a claim with Liberty Mutual. Here’s a step-by-step guide:
The first thing you need to do is call Liberty Mutual’s claims center. When you call, have your policy number handy and be prepared to answer some questions about the accident.
Next, you’ll need to fill out a claim form. You can do this online or over the phone. Once you’ve submitted the form, Liberty Mutual will assign an adjuster to your case. The adjuster’s job is to investigate the accident and determine how much money you are owed.
If you have damage to your vehicle, the adjuster will arrange for it to be inspected by a Liberty Mutual-approved repair shop. Once the repairs are completed, you’ll need to pay your deductible and Liberty Mutual will cover the rest.
What to Expect When Filing a Claim with Liberty Mutual
Filing a car accident claim with Liberty Mutual is generally a smooth process. However, there are a few things you should be aware of. First, it can take up to 30 days for your claim to be processed and paid out.
Second, if you have damage to your vehicle, you may need to get multiple estimates before repairs can begin. This is because Liberty Mutual will only approve repairs that are deemed “reasonable and necessary.”
Finally, it’s important to keep in mind that your insurance rates could go up after an accident, even if you weren’t at fault. This is because car accidents are considered a high-risk activity by insurers.
What to Do if You’re Injured in a Car Accident
If you’re injured in a car accident, the first thing you should do is seek medical attention. Even if your injuries seem minor, it’s important to get them checked out by a doctor. It may also help to have a record of your injuries in case you have to file a personal injury claim later. You should then contact an attorney and they can help you determine if you have a viable lawsuit.
Our Attorneys Can Help You Get the Compensation You Deserve
If you’ve been in a car accident, our Los Angeles car accident attorneys can help you get the compensation you deserve. We will walk you through the claims process and make sure that your rights are protected. Contact us today for a consultation.
FAQs
A person can file a car insurance claim by calling Liberty Mutual, toll free, at 1-800-225-2467. Parties can also file Liberty Mutual claims online or via the company's mobile app.
Is Liberty Mutual good at paying claims? ›
Yes, Liberty Mutual is mostly good at paying out claims. It has a B++ financial stability rating from AM Best. However, it ranked 866/1,000 points in J.D. Power's 2023 Auto Claims Satisfaction Study, which is below the industry average of 878.
How does Liberty Mutual Accident Forgiveness work? ›
Accident Forgiveness is an additional coverage that you may qualify for that can be added to your auto insurance policy, where your price won't go up due to your first accident. You may be eligible for this benefit if you have 5 years of accident-free driving. Get an even larger discount when you reach 5 years.
Will Liberty Mutual send me a check? ›
How is payment made? Liberty Mutual will issue a check for the repair costs minus any applicable deductible. If you have a lienholder on your vehicle, we will issue the payment to you and your repair shop of choice.
How long does it take for Liberty to pay out? ›
Once the final decision is accepted by all affected beneficiaries, Liberty Corporate will finalise payment within 15 working days. Unapproved group life policies are owned by the employer and not the fund. These benefits do not form part of the retirement fund and are therefore not subject to Section 37C.
How long does it take to get a settlement check from Liberty Mutual? ›
How Fast Does Liberty Mutual Pay Claims? It can take an average of about ten weeks to reach a settlement for an auto insurance claim through Liberty Mutual. Once settlement is reached, it can take another few weeks before the claimant receives their settlement check.
Is Liberty Mutual pulling out of California? ›
Liberty Mutual in July 2023 said it will stop offering its business owner's policy (BOP) product in wildfire-prone state California.
Do insurance rates go up after no fault accident liberty mutual? ›
Liberty Mutual insurance rates go up by an average of 69% after an accident. Drivers who have Liberty Mutual accident forgiveness will not see their car insurance rates go up at all after their first accident in 5 years, however.
Does your insurance go up after a claim that is not your fault? ›
Under California law, an insurer cannot increase your premiums when you aren't at fault.
Does California have accident forgiveness? ›
Forgiveness is rarely free
Some insurers automatically include this coverage and your premiums are automatically higher because of it. You can also get accident forgiveness as an optional add-on coverage for an extra monthly fee. For drivers in California, accident forgiveness isn't an option.
If you're more likely to get into an accident, you won't want to pay out a higher deductible. However, if you're generally a safer driver, your car insurance premiums will be lower with a $1,000 deductible.
Should I pay the deductible if not at fault? ›
It depends on your insurance policy. Some insurance policies require you to pay your deductible even if you are not at fault, while others do not. Reviewing your policy or speaking with your insurance agent to understand your coverage is important.
What is the best deductible for car insurance? ›
Before you choose a deductible, most insurance professionals recommend you figure out what you can afford to pay if your car is damaged in an accident. If your budget allows for a maximum out-of-pocket expense of $500, you probably should not choose a deductible higher than $500.
How long does it take Liberty Mutual to review a claim? ›
What Happens Once I File My Claim? Liberty Mutual Insurance will assign a case manager who will call you within 48 hours from receipt of your claim to discuss all the relevant details and guide you through the process.
How long is Liberty Mutual's grace period? ›
Yes, Liberty Mutual has a grace period of 10 to 14 business days for payments, with specific timeframes varying based on state law. During the grace period, policyholders can pay their past-due premium in order to avoid a lapse in coverage.
Does liberty have an application fee? ›
Liberty's application fee is $50.
Which insurance company is best for claim settlement? ›
In terms of number of policies settled during 2022-23, Max Life Insurance has the highest claim settlement ratio of 99.51%. With a 99.39% claim settlement ratio, HDFC Life Insurance came second on the list. Aegon Life Insurance bagged the third position with a 99.37% claim settlement ratio.
Which insurance is best for claim? ›
5 Best Homeowners Insurance Companies for Paying Claims
| Provider | Our Rating (out of 5) | Percent of Claims Approved* |
|---|
| State Farm | 4.8 | 95% |
| Allstate | 4.8 | 95% |
| Liberty Mutual | 4.5 | 95% |
| Progressive | 4.5 | 96% |
2 more rowsMay 29, 2024
Claims service ratings
Liberty Mutual ranked 11th nationally in the J.D. Power 2022 U.S. Auto Insurance Claims Satisfaction Study. Its 870-point score in the study was slightly below the national average of 873 points.
What is the claim rate of liberty insurance? ›
Liberty health insurance claim settlement ratio for FY 2021-22 is 90.5%. The claim settlement ratio (CSR) indicates Liberty General Insurance's ability to pay off your claim requests.
