A driver may file a car accident claim online, by app, or over the phone. Here’s how to file a car accident claim with Liberty Mutual.

Filing a car accident claim with Liberty Mutual only takes 10-15 minutes online. After you file a claim, a Liberty Mutual Claims Representative will review the information and determine the amount the insurance carrier will pay for damages sustained in the accident.

What is a car accident claim?

Car accident claims are a form of financial compensation a driver may file with an insurance company after an accident (vehicle damage or personal injury).

Related: How to Prove an Injury Is From a Car Accident

Steps to Take After a Car Accident

1. Stay Calm

Assess the situation and stay calm.

2. Call 9-1-1

Even in accidents with no injuries, call the police. Stay at the scene until the police arrive, as police reports are vital to filing auto insurance claims.

3. Take photos

Document photos of vehicle and property damage, license plates, location determinants, and any other evidence to aid in filing an accident claim.

4. Exchange information

Don’t blame the other person or apologize to maintain neutrality and prevent accidental admission of liability.

5. File a claim with the insurance company

File a claim as soon as the accident occurs. At Liberty Mutual, you may file a claim through the app, online, or over the phone. Further, Liberty Mutual conducts individual investigations to determine fault and how the claim will settle.

Filing a Liberty Mutual Claim Online

Liberty Mutual allows customers to file claims in a variety of different ways. Customers who file online may follow the link here. Customers may file over the phone by calling 800-2CLAIMS (225-2467).

First, select whether the filer is:

  • A Liberty Mutual customer
  • Filing against a Liberty Mutual customer
  • An insurance carrier filing for the customer

As a Liberty Mutual customer, you only need to log in to their account. The whole process takes 5-10 minutes. To file against a Liberty Mutual customer or as an insurance carrier filing for the customer, you should provide the policy number and last name of the customer, as well as the following information:

  • The incident date
  • Incurred damage
  • Events of the incident
  • Driver’s name and contact information

Factors to Consider When Filing a Claim with Liberty Mutual

Before filing a claim with Liberty Mutual, consider the following factors:

  • Effect on your premium
  • Insurance coverage and deductible
  • Police reports
  • Information needed for claim filing
  • Length of the claims process
  • The necessity of filing a claim

Effect on Premium

After a car accident, your premium may go up depending on factors such as:

  • Driving record
  • How much insurance has been paid on previous claims
  • Insurance policy changes

Insurance Coverage and Deductible

After filing a claim, a Claims Representative from Liberty Mutual will review the incident within 1-2 business days and determine whether insurance covers the accident. See Liberty Mutual’s Coverage Overview page here or use the online tool. Liberty Mutual deductibles and other policies may be found on the Coverage Overview page.

Police Reports

Depending on state laws, police reports are not always necessary but may speed up the claims process and verify the story.

Length of the Claims Process

Even if you believe you are not at fault, filing a claim offers an official determination. The whole process to review the incident may take between 1 and 2 business days. To speed up the process or to check the file, you can manage the claim online. You file a claim within 90 days of the incident.

Related: California Statute of Limitations for a Car Accident Lawsuit

FAQs About Car Accident Claims in Liberty Mutual

Can I get a rental car?

If a repair shop damages your car, Liberty Mutual partners with Enterprise Rent-a-Car to provide discounted car rates to customers.

What happens after filing a car accident claim?

Liberty Mutual will estimate the amount of money to repair the vehicle and schedule an appointment. The Liberty Mutual Guaranteed Repair Network ensures a 100% guarantee as long as the customer still owns the car. Liberty Mutual pays the entire price of repair, except for the deductibles according to individual insurance policies.

Related: Grounds to File a Car Accident Lawsuit in California

Contact Us

If you or a loved one would like to know more about how to file a car accident claim with Liberty Mutual, get your free consultation with one of our personal injury attorneys today!.