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Liberty Mutual

3.0
191 complaints

Address

175 Berkeley Street, Boston, MA, 02116

Liberty Mutual customers report widespread frustration with unresponsive claims adjusters who don't return calls or emails, leading to months-long delays in claim resolution. Additional major complaints include unexpected premium increases, policy cancellations, unprofessional customer service representatives, and denied claims with inadequate explanation. Many customers express intent to switch insurers after poor experiences.

Common Issues

40% (26)
no responseno call backadjuster
30% (20)
claim deniedmonths waitingno update
20% (13)
premium increaseddoubledcancellation
15% (10)
rudedisrespectfulattitude
10% (7)
cancelledcancellationexpired

Complaints

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Jesus

Apr 9, 2019
0

My car was broken into and have full coverage. LM adjuster was rude and unhelpful including the comment when I asked to speak to a supervisor “ain’t gonna happen” is what he said. My car was damaged on both sides and the body shop even confirmed the damage was brand new.

He claimed a supervisor went to inspect my car and said it’s typical damage from a parking lot. Been a customer for a decade with little use and was treated poorly and accused me of lying about the damage. I will be looking to switch carriers.

So much for being loyal. David was rude to my wife as well. Claim # 039436931-0002

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Anna

Apr 4, 2019
0

This insurance company is absurd. No accidents/ no tickets and the premium went up over $500. I get a pathetic justification that because of "the type of car" I drive which is a Pilot, those cars get into "lots" of accidents which is why my premium went out.

Then when I chose to cancel the policy I was told by their rep that not only will be charge the installment then on top of it I will be charged a surcharge for canceling mid-term. There is no cancellation surcharge in NJ.

How stupid and untrained are their reps. I already had a new policy in place, but had to cancel because I was under the impression that I will be billed twice from Liberty and then another installment from the other insurance policy.

Today I found out that the rep that was helping me, not only gave me the wrong…

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Kikki

Mar 29, 2019
0

Received my renewal and there was a substantial increase of close to 200 per year. PLUS a charge added to my bill of policy that had be EXPIRED. After trying to go to my account website I found I no longer had an account history.

I called my credit card company and explained the issue, filed a dispute. The credit card company sided with me and reversed the charges. Today I received a letter of collections 6 months after the fact for 55 dollars. What a freaking horrible way to do business.

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Judith Haile

Mar 27, 2019
0

Was promised a call from the mgr at Hauppauge office a week ago and still no call. Her nane was Danna Mcnamara. I am in need of a face to face appt to go over my policy and make changes.

It is very difficult for me to do this via telephone as i clearly stated to a representative named Darius. He called Danna and I was told she would call to set up the appt. Please help me with this.

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Patricia Parrish

Mar 25, 2019
0

Progressive Insurance Agent called me in the beginning of January to inform: I will have your $1,000 deductible forwarded to Toyata in Lawrenceville, NJ by the time your automobile is finished. That never happened. Still today, I am waiting for the deductible. I was told by Liberty Mutual Representative, "Pennsylvania is slow to submit police reports." The accident has already been verified. Payment was made for repairs to my vehicle. I need the deductible as soon as possible. Thank you for your attention to this matter. Except for this incident, I am highly pleased with LIberty Mututal's services. CLAIM NUMBER LA000-038891499-03

Sincerely, Patricia G. Parrish

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Monica Vidal

Mar 19, 2019
0

Good afternoon, My son, Jacob Vidal, who is a driver on my policy was involved in a fender bender with another vehicle on 02/16/2019. He told me that he was in the parking lot at a local hospital and pulling out when another vehicle was trying to pass him. He said two large men got out of their vehicle and intimidated my son into making it his fault and demanded his insurance info. Once he provided it to them, they left the scene without any further discussion.

When I had phone contact with claims adjuster, Nyechia Robinson, she immediately told me that she had spoken to the driver of the vehicle that filed the claim and that she "was a female named Angela that filed the claim saying she was the one that was involved in the accident with my son. She then said that Angela was very credible…

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Patrick O'Brien

Mar 8, 2019
0

On March 7, 2019, I received 3 envelopes with insurance policy cancellation notices. This is my first year with Liberty Mutual Insurances having left Amica Mutual after 46 years (and having never missed a payment). I emailed my only contact in South Portland, Maine , Sarah Curley.

Over 11 exchanges , I explained I never received an invoice prior to these warnings. She said I was sent e-mails. I did not get them. I asked for copies of the actual e-mails sent to me. Ms. Curly could not produce and I said this is a problem for me.

)I was respectful throughout and restated my purpose. Ms. Caylan Healy , the Senior Site Manager called and was very defensive, accused me of threatening her "because I complained". She dropped me off the line twice with no notice during our conversation.

I would…

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Jim kelley

Mar 7, 2019
0

You raised our car insurance 100% for2019. My wife received a speeding last June going 17mph over speed limit. For that our preming went from $2,000 a year to $4,000 a year. This told me you did not want us as a customer.

We switched jnsurance companies and have a new premium of1,509 a year for same coverage. Very disappointed in liberty Mutual.

Also got new Umbreypolucy and boat insurance for50% of your premium. Your tv ads are a joke. Glad we are no longer your customer.

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freedomthabethe idno:750805551008

Mar 5, 2019
0

I freedom Ndodo Thabethe Id no:7508055510080 received a sms from liberylife that I do not have Accident plan but I,'m paying monthly on policy no:1142410522 as a cover in accident,I joined two policies at the sametime and other policy no: is 1142010520 according to the sms both policy do'nt have the Accident plan.both policies commencement is the same because I was told the other policy no:1142410522 is for Accident cover for me and my children that are covered in policy no:1142010520 that is why Ido'nt understand and I need explanation about both policies

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Jacqueline Frodermann

Feb 20, 2019
0

How do I go about reaching a Liberty Mutual representative (superior to our local office sales manager and the agent on our policies) to resolve some serious errors and get the correct Declarations, of which Premiums have been paid for, in full.

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Jacqueline Frodermann

Feb 16, 2019
0

We (my husband and I) have a number of policies with Liberty Mutual, for many years. Concerning policy number H37-218-722289-40; property located at: 1122 Southford Road, Southbury, CT. up until 2013/2014 the policy had Personal Liability coverage and Medical payments coverage, and after that date (2014/2015) and up until 2018/2019 that coverage was removed, without our authorization.

We met with Kimberly Rowland (out of the Middlebury, CT office) today and although she verbally expressed to us that a mistake had been made, she printed out a new Declaration with the Liability and Medical coverage back on the policy and the new Declaration had information that was not correct.

We were very fortunate that we had "dodged a bullet" regarding the years we were without the $500,000 Liability…

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Julie & Nathan Sworden

Feb 13, 2019
0

YOUR COMPLAINT SYSTEM FOR UPLOADING DOCUMENTS SUCKS - COULD NOT LOAD PDF OR MICROSOFT WORD DOCUMENTS. IF YOU WOULD LIKE THIS COMPLAINT SO YOU CAN SEE THE PICTURES - YOU WILL NEED TO EMAIL US AT NATERE@LIVE.COM. SEE WRITTEN COMPLAINT WITHOUT PICTURES BELOW.

February 13, 2019

Liberty Mutual Insurance Company Attn: Customer Service/Complaint Division

RE: Complaint Letter to Liberty Mutual for Notice on Cancellation of Policy Customers: Julie and Nathan Sworden Property Address: 2370 Arch Road, Eaton Rapids, MI 48827

Dear To Whom it May Concern Who Handles Customer Complaints,

We have been homeowners over the course of 18+ years (and has not always been with Liberty Mutual). Prior to having homeowners insurance with Liberty Mutual, we have never had issues with our policy or notice of…

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Terrence Palmer

Jan 23, 2019
0

I received a missed call, and then a follow up email from Lidia Marek. She said: Hi Terrence – I just called but was unable to leave a voicemail for you. I’m reaching out to offer you a policy review since you’ve been a customer of ours for so long. I hope that by doing that we would lower your premium so when you have a moment give me a call please! All of my contact information is listed below. Thank you! Lidia Marek Sales Associate to Peter Komperda

My response was: Let me know what my premium is now and my coverage, and what your proposed reworking of the policy and lower premium I'm assuming is what you mean would be. I don't care to do it over the phone I would rather communicate by email.

She responded: Hi Terrance – No problem email is fine with me. As far as coverages on the…

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Tanisha Williams & Travon Bell &Steven Mason & Cyrice Cole

Jan 23, 2019
0

We was in a car accident on Oct 7,2018 and Liberty Mutual Insurance hasn't answered back are paid anything out and the car was a total loss they have the vehicle they 'not responding they are very negligent about the whole situation my fiance has no way to get to work we are down to one car now. Liberty Mutual insurance hasn't fix the problem we all have bills we have missed days off from work!

Our Attorney has reached out on to them on more occasions and they are not responding to emails are letter's not returning phone calls . This is so ridiculous. Please can anyone reach out we need answers now it has been more then 90 days !

Car accident take place on Oct 7,2018 in Kansas City,Mo please help please help this is not fair! How can you take a payment for a whole you and keep the…

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Clive Milton

Jan 19, 2019
0

Eight months after being hit by a tornado, 7 adjusters later, 1 engineers report and Liberty Mutual denied previously approved portion of the claim.

Also the company issued a payment incorrectly and refuses to re-issue it correctly. Damage has gotten worse due to bad weather. Engineer reported that damage was not caused by falling trees, although the place looks like armageddon still with upwards of 30 trees being lost.

Liberty Mutual Presidential Services is a joke as all they did was refer my complaint back to the same adjuster and claims manager who denied most of the claim. Photos on request.

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Steven Andiorio

Jan 19, 2019
0

This company is the greatest example of abuse of power, disregard for right, wrong, fair, or just. They 100% define every condition, to substantiate a RICO ACT indictment & guilty verdict. One difference, they use manipulation of the law , instead of a gun!

The business SOP's they exhibit are the exact definition of anti social disorder & every qualification required to render a diagnoses of a sociopath. J. to expose (win or lose) them for all the harm, hardship, irrecoverable loss, abuse, & destruction caused to me & everyone else they have done irreparable damage to, as I could not let this crime go unchecked, & lose the only thing I have left, my self respect.

If it takes all the wc settlement (my case is compensable by court order)& all the years I have left, I will bring the most…

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Scott Liu

Jan 18, 2019
0

My Policy Number: AOS-288-011458-40

Dear Madam/Sir,

I have subscribed your company's RightTrack service to get additional discount, however, I found the service may have a flaw or scam in it. I noticed that the Projected Yearly Savings was $57 on January 6th, and it went down to $53 today, however, my driving records have been all “Great” since January 6th. The more strange thing was that it has been swung up and down sometime. For example, it showed $55 this Monday Morning, and went down to $54 on Monday afternoon, and gone up to $55 on Tuesday morning, and dropped to $54 on Wednesday even all this week and past week my driving records are “GREAT”. In summary, the Projected Yearly Savings does NOT correlate to the driving records, it seems randomly moving up and down.

I am wondering…

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ling xu

Jan 16, 2019
0

had to call many times try to get in touch with my adjuster and always voice mail. my adjuster never update or try to contact for any update. was worst experience ever. will never use this insurance company ever again.

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Jeffrey Reese

Jan 4, 2019
0

Daughter had a wreck happened on 12/06/18 tried to deal with at fault drivers insurance co (American family) growing tired of the runaround I decided to let my insurance (Liberty Mutual) deal with it. I started the claim with them on 12/12/18.

it is now 1/04/19 and still no check. Theirs no reason it should take almost a month to do a simple auto claim. It wasn't a 100k car it was a 14 jeep patriot. Looks like I need to go back to Ga farm bureau, last clame with them took 2 weeks. This is ridiculous!

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kenneth inman

Dec 26, 2018
0

I am a 72 year old vietnam vet on a fixed income liberty mutual cancelled my home and auto insurance because the payments were a little late we try very hard in this very difficult time to follow the law I sent a letter several months ago praising your company only to get slapped in the face and having to scramble around to find a new insurance company so sad that senior citizens are treated so bad in the united states of america

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Alison wtanabe

Dec 6, 2018
0

This complaint is specifically for a claim that was reported September 27, 2018 by my electric company (Kauai Island Utility Coop). We had 3 breakages in our main line that feeds electric to our house. KIUC then put in a claim with Liberty Mutual on Sept. 27, 2018.

Marjorie Blum, Claims Specialist II was our contact. I am so disappointed in the service by her. I email her, call her & left numerous messages and no contact back to me or any status update by email. Its been going on for until today, December 6, 2018.

I called and she actually answered the phone. I asked her for status and was put on hold. She pulled out my file, i'm guessing and started asking me about when my appliances were purchased. I gave her all the information via email that she needed in October and of course not…

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melissa kimball

Nov 23, 2018
0

I wanted to let you know I will be leaving your company for my insurance needs after 10 years. 4 years ago, I called my local agent, Nate, and spoke to his manager to tell them how incredibly happy I was with the service and how I would not leave the company for anything.

I am very sad to see how the customer service has changed since that local office closed and I had to deal with the 1-800 people, my agent Brandon in particular during a recent accident. No call backs, no information given regarding my questions about uninsured motorist, delays in my claim being paid (almost a month after the work was done the repair place got the rest of the payment owed.

I finally called Brandon's supervisor three weeks ago and asked my final questions regarding my claim and still have recieved no…

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Steve and Tonya Hemby

Nov 9, 2018
0

We are policy holders, home and auto policies. The company has sent us a letter stating they are cancelling our home owners insurance in December. Evidently an inspector that reports to your company came by our house when we were not here and made some derogatory remarks about our home (as in problems with various things).

The problem with that report is that the complaints made are of a generic complaint. Such as, 'The porch needs repair'. It does not state which porch nor what specific thing(s) need repair. It also says 'limbs hanging over the house and over an out building'.

Well, we have multiple trees on our property, none of them are rotten, none of them have limbs that are touching the roof or the outbuilding, so we have no idea what they are talking about. None of these…

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Anna Pleasant

Oct 19, 2018
0

I had a double lung transplant February 24th of this year. I had to say at Cleveland Clinic for 5 months. I have been off work and now my insurance has expired. I've always made my payments. I called customer service and was going to pay $300 my monthly payments are $169 but was told I had to pay over $1000 to activate my policy.

I do understand but, come on, I had a double lung transplant if that wouldn't have happened or should I say if I wasn't sick, I would've paid monthly payment were electronically deducted out my account. Is it a way you can consider help in Me?

I really like this insurance and don't want to lose it. Please consider my request. Thank you in advance

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Amanda

Sep 26, 2018
0

Teri Lilly and Keith Canton are pretty much the two most unreliable, unprofessional and rude dynamic duo I’ve ever met under one companies roof.

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Roxana McClelland

Sep 6, 2018
0

I filed a glass claim. All of my cars have always had this on the policy (5 cars) I called Liberty mutual made me an apointment a week later he came and installed the window. The i get a call saying i am not covered.

When i initially called that would have been the time to tell me changes unauthorized changes had been made to my account. But they made the apt. and waited until service was complete to tell me this. I have been with liberty mutual for some time and feel it had gone down hill.

I called 2 months ago for a tow and was left of the side of the road with my child for 6 hours. Even though a tow company was 15 min away. They called the farthest and still i sat for hours.

I was a proud Liberty Mutual customer. This is just about the last straw. I expect the payment to be made for…

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Donna Hines

Aug 30, 2018
0

I have been trying to resolve a problem with my retiree benefits since August 1st. On August 8th I turned 65 years old. As such my medical benefits changed from Liberty Group Benefits to Medicare as of August 1st. When I received the direct deposit of my pension on August 1st, I noticed that there was a deduction for group medical and dental premiums taken in error.

I contacted Liberty Benefits immediately and explained the reason for my call. This was on Wednesday. I was told that they would not be able to look into or respond to my request until at least Friday. After several calls, on August 10th I was told they had verified that the deduction was taken in error and that the adjustment would be made in my September 1st pension check.

I haven since spoken to several people including a…

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James Acuff

Aug 21, 2018
0

Called for roadside assistant sat on the side of road for 3 hours with almost 3 hrs of contact with my agent Heather I live in Jasper tn I have paid all my premiums including road service I am a disabled person and a heart attack survival which depended on your company to provide me with the services I PAID for in advance.

My name is James Acuff I live at 230 Ralston rd. Jasper Tn 37347. I am very upset and displeased with this issue and will seek restitution for my hardship and disrespect with this matter my phone number 4232274720 if you want to settle this out of court.

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Gary Krause

Jul 8, 2018
0

I filed a dishonest employee claim (RE: Claim No. 23380200) the first claims adjuster asked for documentation of the loss which I provided on a form he sent me. The claim subsequently was transfer to a new claims adjust that asked me to resubmit the documentation, when I informed her that it was already submitted and asked her why she was requesting it again after it was already in the case file, she never replied to my email.

I have tried to contact her by phone but she never returns my calls. She then, after some time had passed, again requested I provide documentation that was already in the case file. I did send her, via email a copy of the grand jury indictment of that employee.

My agent has also tried to contact her about this claim but never received a response. This claim has…

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Maria Valenzuela

Jul 6, 2018
0

I was rear ended on 5/4/2018 it took me almost a month to get your policy holder information to file the claim. Brandon Talley is the ajuster who is working on my claim an I havnt received a phone call or a letter about what is going on.

When I went to the body shop due to they total my truck picked it up two weeks ago an I have still have not receive no settlement check the rental is not being paid for an my family is now with out transportation an I still can't get any answers. I need something done this is not right this is your policy holder fault.

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Esmeralda Andrade

Jun 30, 2018
0

My representative is ALLEN KOTHS; although he has not returned my calls or replied to my emails, he did accommodate my sons and I at a hotel.

Allen has only approved a portion of my claim which was for drywall, sheetrock, patching, painting, etc. I need to know if the flooring in the master bedroom and master closet are approved. I have Heath Plumbing and Jack Ryan Contracting waiting for payment and approval.

Thank you for your attention to this matter and hope to hear from someone soon.

Esmeralda Andrade

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Sandra Brown

Jun 1, 2018
0

We had a pipe to burst behind the wall in our laundry room and file a claim. An appraiser name Gus Oharin came out and did a quick review. We found out today per the Liberty Mutual vendor for the water and mitigation-Trigate, that the Appraiser Gus lied on the report and said there was no water damage in the laundry room nor crawl space of our home.

We and Trigate have uploaded pictures showing damages in both of these areas and my kitchen floor Is damaged. Trigate spent today tearing up the flooring in my kitchen and laundry room. They have upload pictures and a video of the water damage in the crawl space, my insulation is ruined in the area of the crawl space under the laundry room.

I was told that Trigate found microbial growth which is mold in my laundry room floor and outside of…

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Anna wilcox

Apr 20, 2018
0

To Liberty mutual headquarters,

It's very late and I couldn't sleep. I did some financial figuring. I'm very disappointed and upset with Liberty mutual.

I was strongly recommended by Liberty mutual to apply for SSDI, which I did and was promptly approved.

Because I was approved so quickly, Liberty mutual saved $46,398. That amount was paid to me by social security.

If I had not applied for or been approved by social security, Liberty mutual would of been obligated to have paid me the full amount of $78863.52. That total is for 2 years.

Now because the terminology has changed and supposedly I can work in any occupation. Liberty mutual has determined that even with ongoing chronic pain issues and the need for pain medications that I can safely obtain employment.

Liberty mutual does not…

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Aprile McKnight

Apr 20, 2018
0

Zero star would be more in line with Liberty Mutual business practices. I previously had, home owners coverage, renters policy coverage and auto coverage through this company. I cancelled my home owners policy over a year before I noticed they continued to collect auto debit payments from checking account.

Once I realized I called and was told they had no record of me cancelling. They refused to acknowledge after I pulled my records including the date I called and cancelled policy. Shortly after they add insult to injury by sending me a bill threatening to send me to collections.

This is after 8 years of being their customer. A couple months later I again receive collection notice and I review the account again and notice they are still charging me for earthquake policy on the home I sold…

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Anna wilcox

Apr 20, 2018
0

To Liberty mutual headquarters,

It's very late and I couldn't sleep. I did some financial figuring. I'm very disappointed and upset with Liberty mutual.

I was strongly recommended by Liberty mutual to apply for SSDI, which I did and was promptly approved.

Because I was approved so quickly, Liberty mutual saved $46,398. That amount was paid to me by social security.

If I had not applied for or been approved by social security, Liberty mutual would of been obligated to have paid me the full amount of $78863.52. That total is for 2 years.

Now because the terminology has changed and supposedly I can work in any occupation. Liberty mutual has determined that even with ongoing chronic pain issues and the need for pain medications that I can safely obtain employment.

Liberty mutual does not…

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Rolf E. Niebergall

Dec 1, 2017
0

On 4/7/17 I was involved in a car accident. On 5/13/17 I send information to the "president team", no answer. Christina M Lemay and Michael Saner even got into an argument with me, nice customer service? 1) Their first decision was based on a faulty police report ( vehicle 2 was hitting vehicle 2, and so on ), and the other driver, he was 22 years and I am 80 years old.

I know the area because I live there. I have also more driving experience. Police report: young people are more often involved in car accident than older people 2) I had the first police report redone and not the people who should have done it.

It still had two important mistakes. a)vehicle 2 was driving fast, it was said about vehicle. b) Never investigated in a school zone, driving speed about 22 miles/hr. Vehicle 1 was…

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Mr. Hung Tran

Nov 21, 2017
0

I have a complaint about my claim representative named Tomaszek Justyna, claim no 036369716-02. She is horrible customer service. Liberty Mutual insured hit my car (cross Red light) and damaged my car and my body. My car is still drivable but she said it was a total lost and she does not want to repair?

I sent her a copy of Kelly blue book with my car value $1800 - $2500 as proof but she does not care. Repair estimation of Service King is $2700 and she does not allow ? I ask her if we can negotiate an acceptable price $2000 but she rejected.

As you know this is NOT my mistake. Your LM insured damaged my car and my body due but I did NOT receive anything even car rental in last 3 weeks. My health is very weak due to the accident and don't have car to drive to work.

I need a person in LM…

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Samantha Mason

Dec 20, 2016
0

Our Liberty Mutual insurance adjuster Sarah Moore has been very aggressive and hostile throughout this whole ordeal. When she 1st contacted my husband Shan Mason she provided him the information to the Body Shop to get an estimate, once he arrived the mechanic told him, they would not be available to look at it for another 2 weeks. The following day I contacted Sarah to see if there was another Body Shop or if we could just take it to any shop, she sound very irritated and asked why we didn't leave the car at the first shop, I explained that was too long to be without a car and asked if someone could come out to take pictures, she said no, that's not how it works.

When I told her the car was my only means of transportation to work, her only response was, Isn't the car drive-able, even…

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Dorothy Hadley

Aug 13, 2016
0

Very poor management, although I hope it changes with the new CEO. I have had every problem you can think of, including personal insurance, commercial insurance and international plans. I heard that the company even has other local insurance companies in Argentina, Brazil, Chile, China, and India.

Maybe those places know how to do customer service better? When I did some research online I found out that the business also uses another fake name under Lloyd's Syndicate 4472 platform. This is some kind of global specialty insurance which also includes reinsurance products.

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Dan

Jul 19, 2016
0

On July 7 I parked my car in a park and ride. When I got back to the car the drivers front end was hit. Our Liberty Mutual insurance adjuster looked at car saying the damage to car happened in two different incidents. Because he saw a scratch on the rim. Then he told me I went four wheeling with my 2015 Subaru. I'm not sure what happened but I am the only person driving this car. And when I parked it there was no damage to my car at all. The front end damage that was not covered was around 500 dollars.

Which should have been cover under the first claim.I been trying to reach the claim office since July 14th today is the 19th and I got one call from a supervisor. He was gonna call me back but never did. I still have a rent a car and been trying to reach Jennifer Platt. she sent me one…

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E Cooper

Feb 19, 2016
0

My car was legally parked and a guy riding in the street on a bike rides by and hits my mirror breaks it and scratches the front right side of my car with his bike. He keeps on going until I yelled for him to stop and showed him what he did to my car. Then came the performance of a life time he just laid on the ground put the bike on top of him claiming he was injured, after calling somebody on his phone. No 911 or cops or ambulance. I refuse to go along with this fraud.

I called 911 and stayed there why he kept on making his performance better and better. Anyway I call my insurance company told them what happen, I should not have called them however I do pay this car insurance a monthly payment for full coverage and I told them everything word for word and scene to the whole scenario and…

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Damita

Jan 25, 2016
0

Complaint case #033060633-0001. I had a house fire on 12/202015 and a family death on 12/24/2015 I am currently taking medication for anxiety and depression. I also lost a daughter to colon cancer 04/2015, this has affected me in ways I never knew it could. My Liberty Mutual agents handling my case have been judgmental of my situation and less than supportive. Because I wanted to relocate to another Best Western to be closer to family I was denied (funeral). Instead I was offered $750.00 a month and told that was my only option. and I now am homeless and even more depression. Family members cannot support me and my $750.00 for January has run out.

I met with the recovery investigator and because of a hearsay allegation that was not true at all from my boyfriend's x-girlfriend I am made…

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