Every driver should know how to file an auto insurance claim

Every driver should know how to file an auto insurance claim, just in case an accident occurs. The good news is that auto insurance companies have made this process increasingly simple over the years, and today, the process of filing a claim is relatively straightforward in most cases. With a responsible insurance company and an appropriate claim, it's not unusual to have compensation in hand within a few weeks.
How to File an Auto Insurance Claim

The key to filing an auto insurance claim is to follow the appropriate protocol as set forth by your insurance company, and to make sure you have the documentation you need. Most experts recommend covering yourself with assiduous documentation throughout the process in case liability comes into question. From basic medical reports through mechanic estimates and more, it's essential to arm yourself with every possible detail when you file a claim.
File Promptly

One of the most common mistakes people make when filing auto insurance claims is waiting too long to fill out the paperwork, or in waiting too long to talk to their insurer. As soon as an accident or damage occurs, get an insurance agent on the phone to find out exactly what you will need to do. Your agent may require you to use a specific mechanic, or otherwise work with certain providers, in order to make handling your claim faster and easier.

Furthermore, a number of carriers mandate only a brief window of time during which you can file a claim. Failure to let the insurer know of an accident or other car problem within the stated time limit can negate your claim and leave you on your own financially. Needless to say, after the police, your auto insurance company should be the next call you make.
After You File a Claim

Once your claim is filed, you may be called upon to provide written proof of the damage, theft or fire that was grounds for the claim. Police reports are considered standard requirements for most insurance claims, and you may also want to include photographic documentation and a detailed mechanical report for the records. Documentation wins cases and almost inevitably greases the wheels of your insurance payment process.
Contact Your Insurer

If you want to learn more about how to file an auto insurance claim, don't hesitate to speak with your auto insurance agent about exactly what to expect in the claims process. Your insurer can explain more about how long the claims process takes, and specifically what is required to file a claim under the terms of your policy.

Insurance Coverages

Liberty Mutual Has You and Your Wheels Covered

* Car Insurance
We can simplify your life with a wide range of benefits, features, and services designed to help you save money on your car insurance and get you back on the road quickly when you have a breakdown or accident. It's all about car insurance you can depend on.

Car Insurance Coverages - Protecting Yourself and Your Car
You hope you'll never need us, but when you do, you'll be glad you chose Liberty Mutual car insurance. We'll help make sure you have the right coverages for you and your car.
o Liability
o Medical Payments / Personal Injury Protection
o Uninsured / Underinsured Motorists
o Collision
o Comprehensive

Car Insurance Benefits - The Extra Features You Deserve
We believe responsible drivers deserve more than just basic coverage; that's why we provide additional benefits including:
o Accident Forgiveness
o New Car Replacement
o Unlimited Rental
o Multi-Policy Savings

Car Insurance Claims - We'll Be There When You Need Us Most
When you have a claim, we'll work hard to get you and your car back on the road quickly with:
o 24-Hour Claims Assistance
o Fast Appraisals
o Total Liberty Care Facilities
o Legal Defense Under the Policy

eService - Manage Your Policy Online
Convenient account service and management.
o 12 Month Policies
o Convenient Payment Options
o After-hours Policy Services
o eService online account management

Motorcycle Insurance You Can Depend On

Motorcycle Insurance
Motorcycle Insurance You Can Depend On

* Motorcycle Insurance

Whether you are on a midweek cruise or a weekend trip with friends, your thoughts are far away from insurance - and we'd like to keep it that way. If you have an accident, phone us 24/7 to get the process rolling immediately. And if your bike ever breaks down or gets a flat, we'll be there for you with our emergency roadside assistance program.

Protecting You, Your Bike and Your Weekend
It's your motorcycle, and it deserves the best insurance coverage. With Liberty Mutual, you get a great product at a great price that's guaranteed for 12 months.

New Motorcycle Replacement Coverage
If your new motorcycle* is stolen or declared a total loss within the first year, we'll give you the money to buy a brand new motorcycle - no depreciation applied!

Accessory Coverage
Enhancements and equipment permanently installed on your bike are covered when you select this coverage. Basic coverage is included at no additional cost when you purchase Comprehensive or Collision coverage, and additional coverage is available.*

Emergency Roadside Assistance
We'll arrange for help any time, anywhere in the U.S. and Canada. The arrangements are free, and if you have our Towing and Labor coverage, the cost of towing is covered, subject to your policy's limits.**

Towing & Labor Services
We'll provide a tow on a flatbed to ensure the safety of your bike if it breaks down, for less than $10 a year.**

There When You Need Us Most
And while emergency roadside assistance is a benefit you'll be glad to have, it doesn't take an emergency to get our attention. We're also there for you when you have routine business or need to make a claim.

After-hours Policy Services
Have a policy or billing question, or need to change your policy? You can call our customer service representatives for expert help with questions regarding your policy and billing after normal business hours and on the weekends.

Convenient Payment Options
Choose to receive paper bills, pay online2008092711575372 or have premiums deducted automatically from your checking account.

24-hour Claims Assistance
Call or go online2008092711575372, any time!

Fast Appraisals
We can arrange to have your bike appraised quickly.

Rewarding You with Savings
With multiple discounts connected to your bike, you could save money off our already competitive rates.**
o Multi-bike Discount. Have more than one bike? You’ll get a discount for having two or more.
o Safety Course Discount. When you complete a Liberty Mutual-approved motorcycle safety course, you'll get a discount.
o Experienced Rider Discount. If you've had a motorcycle license for three or more years, you'll receive additional savings.



Liberty Mutual not only provides you with exceptional coverage, we also provide high-quality service to all of our policyholders. A representative is available after hours and on Saturdays to assist you in any way, and claims can be reported 24 hours a day, seven days a week.

*"New" motorcycles are less than one year old, have fewer than 15,000 miles and have had no previous owner. Benefit applies to a total loss covered by collision or comprehensive coverage less applicable deductible. This program does not apply to leased vehicles and it is not available in all states.

**Multi-bike Discount, Safety Course Discount, Experienced Rider Discount, Accessory Coverage and Towing and Labor Coverage not available in all states. Ask a Liberty Mutual representative for details. The descriptions of coverages and features are necessarily brief and are subject to the provisions, limitations, and exclusions that can only be expressed in the policy and related endorsements.

The cost of auto insurance

Auto Insurance

Prices for auto insurance can vary by hundreds of dollars between companies, so it pays to shop around.
You should get several quotes before you buy a policy.
Don't shop price alone, service is just as important as price.

The carrier you select should offer both good prices and quality service.
Auto insurance is an investment and you should feel comfortable about your policy.
Quality service may cost a bit more. You should try to balance the service and price.
Nowadays, most major companies offer comparable quality customer service, of course they want your business.

Get an instant auto insurance quote here.


Drivers in the following states:
AL, AZ, CO, CT, DE, FL, GA, IA, IL, IN, KS, MD, ME, MN, MO, NC, NH, NM, NY, NV, OH, OR, PA, RI, SC, TN, UT, VA, VT, WI, WY start your quote here

You are likely, right now, to be paying too much for your auto insurance. The odds are even greater that you could get the coverage you need from another insurance company for a better rate.

However, consumers are generally shown not to put the energy into shopping for their insurance that they would into buying a new car.

The rise of the internet has radically changed the buying and comparison of auto insurance policies. Not only has competition between insurance providers increased, driving down policy prices, but it is easier and faster than ever to find the auto insurance perfect for you. There are several ways to save money in your search for better, more affordable car insurance.

Here are a few ways to save money on auto insurance: 1. Be thorough in researching and requesting all discounts you qualify for
2. Maintain a clean, up-to-date driving driving record
3. Assume more risk in your coverage
4. Choose to drive a “low profile” car with specific money-saving features
5. Find a low-cost insurance provider that can meet your needs


We’ll begin to explain discounts you might qualify for:

Low-Risk Job or Occupation Insurance adjusters collect information about what type of people get into accidents. Historically, data suggests overwhelmingly that people with certain professions get into far fewer car accidents than other people. For example, a teacher is far less likely to be involved in an accident than someone who is unemployed. Your job may entitle you to lower insurance rates because you are at lower risk for an accident. It is important to shop around for this discount, as different insurance companies use different criteria.

Professional Organizations and Auto Clubs A membership with auto clubs, such as AAA, or professional organizations offered through your employed may save you money on your car insurance. It is important to ask your insurer if any of these discounts are offered while also pursuing them through your employer.

Combined and Renewal Discounts If your car is insured by the same company that provides you with house or life insurance, you may be entitled to significant discounts on both policies.

You may not have to switch insurance companies to save money on your policy. If you have been with the same provider for an extended amount of time and had no accidents, you are entitled to renewal discounts, which provide incentive to remain with your insurer.

Automobile Safety Features Many states have laws that require lower insurance rates for cars equipped with safety features. Some industry-standard features such as ABS anti-lock brakes, airbags, and automatic seat belts may qualify you for insurance discounts. You should research if you live in one of these states or if your specific provider offers discounts for such safety features.

Assuming More Risk There are two ways in which you can drastically reduce the cost of your car insurance. First, if you have an older, less-valuable car you may drop your collision insurance. In trying to save money by owning an older car it does not make sense to spend more on insurance. If your car is worth less than $2000, you are most likely spending more on insurance than it is worth. Dropping collision coverage will create significant savings on your policy.

If you are not driving an older car, it might make sense to request a higher deductible. A deductible is the amount you pay out-of-pocket before the insurance company compensates the rest. Increasing your deductible from $500 to $1000 could decrease your monthly payments by as much as 30 percent. You might pay more for small fender-benders and dings but will save significantly while still being covered in the case of large accidents.

Low Profile Cars If high insurance costs are burying you, consider it while shopping for your next car. Insurance companies charge more for high-performance cars because of their increased susceptibility to accidents and being stolen. It might make sense to buy a more modest vehicle and use your savings for other adventures.

Shop the Big Auto Insurance Companies You should always get quotes from top companies like State Farm, Allstate, GEICO, Progressive and GMAC