If something happens…

Find out what to do if you are in an auto accident.

Find out what to do if you have a homeowners’ loss.

Getting Your $$ Back

Deductible Recovery -- If another party was at fault for an accident or a loss, we have dedicated units who aggressively pursue collection from the responsible party's insurance carrier and prompt reimbursement of your deductible.

Fraud Detection -- We aggressively resist fraudulent claims that may be brought against you. We work closely with the National Insurance Crime Bureau and local law enforcement agencies to detect and deter fraudulent claims.

Legal Services - We have an extensive network of lawyers throughout the U.S. and Canada to protect your interests in the event you are sued as a result of an accident.

Quick Check Program - Our objective is to promptly estimate your damage and issue a check on the spot.

Automobile Claims Services

Automobile Repair Program - We have an extensive network of repair shops that will appraise your vehicle (except in MA) as well as honor Liberty Mutual appraisals. If your car is repaired at one of these facilities, we guarantee the quality of repair.

Drive-In Appraisal Centers - We have conveniently located drive-in appraisal centers. Most auto claims can be settled immediately -- you may receive your check and repair estimate during your appraisal appointment.

Glass Replacement Services - We have an extensive network of glass replacement facilities and the repair can be completed at your home, place of employment, or other convenient location.

Roadside Assistance - You will receive access to a toll free, 800 number to over 17,000 authorized tow and service facilities and over 10,000 professional locksmiths on call in the U.S. and Canada.

Substitute Transportation - We can arrange replacement transportation during the time your vehicle is under repair. Frequently the vehicle can be delivered to you.

Vehicle Locator Services - In the event your vehicle is damaged beyond repair, we can assist you in locating a comparable replacement vehicle.

Home Insurance Product Claims Services

Catastrophe Response Services - When severe storms hit, we are prepared to respond with specialized Catastrophe Response Teams who are immediately dispatched to the affected area.

Contractor Network Referral Program - We have an extensive network of approved contractors that can appraise the damage to your home and will honor Liberty Mutual estimates. If one of our approved contractors completes the repairs, we guarantee the quality of their work.

Damage Mitigation Assistance - When a loss occurs to your dwelling, we can arrange for emergency board-up or emergency cleanup services to prevent further damage to the property.

Personal Property Replacement Services - We can provide hassle-free replacement of many personal items with direct shipment to your residence and the invoice billed to Liberty Mutual.

Temporary Living Arrangements - If you are not able to stay in your home after a loss, we can assist in finding temporary living arrangements.