Homeowners and Auto Insurance: I write so much so that you can make informed decisions.
Switch to AMICA for competitive pricing with a reputable, descent, honest Insurance Company. I say that having no affiliation, benefit or obligation to Amica. Liberty's Home Coverage, their RightTrack Discount, Accident Forgiveness and other benefits are an advertising stunt to me. They really don't get paid in many instances as Liberty cleverly offsets any benefit you should get by denying claims, compromising claims or with other charges, increases and trickery. The benefits are discretionary; despite Liberty Mutual's promotional literature and representations.
Let me first establish that I believe my opinion to be true from my own firsthand experiences insuring ourselves and in representing others under a Power of Attorney. In writing my Review, please also know I am a bonded Public Insurance Adjuster and have dealt with numerous Carriers and Courts over the last 15 years. As an Industry Expert, I took an OATH OF OFFICE and provided AAA Judicial Services for 17 years on small and large claims over $10 Million, and served as Panel Chair in 3 Judge Proceedings. I also did Mediations helping many people resolve there problems. Please do not think I am simply a complaining homeowner when I recommend you never Bind a Liberty Home or Auto Policy and further, immediately switch your coverage to AMICA before a disaster occurs and you are forced to rely upon them.
By way of explanation, I have seen some of their claim work and purchased their Home and Auto Policies getting us all the bells and whistles they were offering. My Wife & I voluntary paid far more for Liberty Mutual policies than were quoted to us from other Carriers. My wife can cut napkins in half, save plastic market bags and squeeze a drop of water from a dime!
As a Public Adjuster, I know how important it is to deal with an honest Insurance Company. Under an Oath of Office I therefore tell you in no uncertain terms, do not deal with Liberty Mutual. They have some folks they marginally treat right to avoid claims reporting and so they can use them in their nationwide promotions. Unfortunately, as a factual matter, I found they were not good people in our dealings and therefore refused to renew our policies.
First, without written notice to us, they unilaterally billed and charged our mortgage escrow account with an increase exceeding 10%. The LAW STATES Liberty must send you written notice. Trying to get a Department of Insurance to enforce anything is joke, when we asked, those people decided Liberty had something buried somewhere in their Website so they were not charged with the crime(s). Apparently they argue we [unknowingly] agreed to this by going online and clicking Liberty Mutual? Let me say the meaning of a "Contract" has been quashed as they do whatever they want, change and modify whatever it is you think you agreed to; then claim you have no rights or remedies and your dispute is extinguished under false pretenses. In my world people agree to contracts and must knowingly accept changes and modifications. I found Liberty completely disregarded this whole concept & in so doing, takes unfair advantage.
Next, their RightTrack program and discounts are nothing more than a Advertising Campaign which constitutes a material misrepresentation to me. My wife and I used their tracking devices and driving slow like the grandparents we are, we each qualified for 19% Discounts. I got dinged for slowing down to avoid running over a squirrel. Then Liberty claimed they gave us 5% of the 19% in the original premium (although they never quoted any separate amount showing us the original premium was 5% more). Incredible gamesmanship. Then Liberty claimed the 19% (or 14%) discount did not apply to some of the limited charges they did itemize, so it wasn't 19% or 14% it was less. Then they claimed whatever manipulated discount they admitted to --- did not apply to the policy period making it even less by prorating. It was reduced by 4 or 5 months. It almost turned out we owed them money! (HaHaHa)
When I started asking them for specific information about all this in writing, their stonewalling program and excuses started. Liberty willfully circumvented answering questions I asked. To the extent they secretly increased our home and auto premiums by a huge amount, $700, $800, $1,000 or whatever it was (FYI: we never had any accidents), I could not even get them to properly itemize exactly what they were charging us for and why. I did have one small claim but they pulled some monkey-business to reduce the amount we were entitled to by a lot (as a PA I got it fixed but others folks would not be able to do that). The claim involved my parked Gold Edition Lexus LS-430. Yep, we had a Trump sign on our front lawn so someone came down the 350 foot driveway into our garage and slashed the tires.
Hope this helps the Public at Large.
Respectfully,
Barry read more
