Auto claims process

It only takes 5-10 minutes to file a claim in your online account. All that's needed is the approximate date of the incident and basic details of what happened. This simply starts the process and we'll contact you if more information is required.

I've filed my claim, what's next?

1. Have the damage reviewed
After you've filed, the next step typically is to have your vehicle's damage reviewed at a repair shop. We've got the repair network and digital tools to help you in your time of need – scroll below to find out more.

2. Get a rental car
If you need a car while yours is in the shop, Liberty Mutual partners with Enterprise Rent-a-Car to provide you with exceptional customer service at discounted rates. If you wish, you can also use the rental company of your choice.

Get a rental car online

3. Receive an estimate and schedule repairs
If your car isn't a total loss, we'll estimate the amount of money that it will take to repair it. We can then help you schedule the repairs, and if you use a shop in our Guaranteed Repair Network, they'll be 100% guaranteed for as long as you own your car. In most cases, we recommend that you let Liberty Mutual pay the repair shop directly once the work is completed. We'll pay the shop the entire cost except for your policy deductible, which is the out-of-pocket amount you're responsible for paying according to your policy.

Find a Guaranteed Repair Network shop near you
Understanding your damage estimate

4. Manage your claim to completion online
Simply log in to your online account to check the status of your claim, contact your claims representative, upload photos and documents, view payments, and much more.

Log in to manage your claim

Not sure if you should file? Get answers here

How we help you get back on the road


Download the appLoading...

Get the Liberty Mutual app to file and track your claim wherever you are.

Upload photos with Express Estimate™Loading...

Once you've downloaded the app, use Express Estimate to upload your photos.1

Guaranteed Repair NetworkLoading...

Access facilities that have been vetted by Liberty Mutual to ensure they provide the highest-quality service.2
1Express Estimate is for minor to moderate damages and is not available in all states. Other eligibility rules apply. Contact your Liberty Mutual Claims Representative for details.
2Guaranteed Repair Network not available in Rhode Island or Massachusetts. In these states we offer you our Superior Service Program (SSP), which is similar to the Guaranteed Repair Network. However, the estimate is completed by a Liberty Mutual appraiser. For more information, speak to your Liberty Mutual Claims Representative.