Accidents can be stressful. Fortunately, the claim process doesn't have to be. Here are some guidelines to follow:

File the Claim
Were you involved in an accident? Whether you file a claim online, over the phone, or with your mobile device, you’ll need to provide some basic information.
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  • Make and model of vehicle(s) involved
  • Name and address of the driver
  • Description of the damage
  • Time and location of the incident
  • Name(s) and information of witnesses

Do you have auto glass damage? You can quickly report an auto glass claim and schedule your repair appointment.
Schedule Your Damage Review and Repairs
After you file the claim, you’ll need to bring your car in for a damage review before it can be repaired. Here are some damage review options.
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  • Guaranteed Repair Network1 – You can choose any repair shop you want. But if you choose one from our network, you’ll get a quick damage review and 100% guaranteed repairs for as long as you own the vehicle.2 Search for a nearby Guaranteed Repair Network shop whenever you like.
  • Liberty Mutual Express Estimate™ – If your vehicle only has minor damage, download the Liberty Mutual Mobile App to use Liberty Mutual Express Estimate.3 Once we receive your photos, you’ll get an estimate in just one business day. You can take the estimate to any repair shop you want for the covered repairs.

    Download the Liberty Mutual Mobile App on iTunes.
  • Repair Shop of Your Choice – Already have a repair shop you trust? Simply schedule a damage review with the shop, and we'll work with them directly to review their estimate and make a payment.
  • Liberty Mutual Drive In – Bring your car to a Liberty Mutual facility, where a friendly staff member can review the damage and give you an estimate. Then you choose where to get it repaired.
  • Rental Car – You may need a rental car while yours is being repaired. If you have the right coverage, we can help you get a rental at a preferred rate through our partnership with Enterprise Rent-a-Car. Of course, you can always rent a car on your own if you prefer.

If you’re a non-Liberty Mutual customer, an accident investigation must be completed before you can schedule a damage review. Go here for details.
Complete Your Claim
In most cases, we recommend you let Liberty Mutual pay the repair shop directly. We’ll pay the shop the entire cost except for your policy deductible, which you’re responsible for paying. Log in to track your payment, or call us at 1-800-225-2467.
Want to Track Your Claim?
Tracking your claim's progress is quick and easy. Simply visit your to learn the next step in your claims process, send us photos and documents, view payment details, and much more.
1 The property damage must be covered by your policy. Guaranteed Repair Network not available in Rhode Island or Massachusetts. In those states we offer our Superior Service Program, which offers the same convenient benefits. Contact your Liberty Mutual Claims Representative for details.

2 Damage caused by normal wear and tear, improper maintenance or unreasonable use are not covered. We will repair or replace any defective work of the GRN facility. Salvaged mechanical parts specified in the appraisal are covered for one year from the date your vehicle is returned to you or 12,000 miles, whichever comes first.

3 Express Estimate is not available in all states. Other eligibility rules apply. Contact your Liberty Mutual Claims Representative for details.