If you need to file a claim please review the following information. Loyalty Insurance provides some basic information on the different types of claims and the basic claim process. We understand that each auto insurance carrier processes their claims a little differently, but the overall process will be the same.
Types of Claims:
- Total Loss Claim – Vehicle has maintained so much damage that the expense to repair it surpasses the expense to replace the vehicle, or your vehicle was stolen and not recoverd.
- Personal Injury Protection / Medical Payment Claims – If you are injured in an auto accident and your injuries are covered under the Personal Injury Protection in your auto insurance policy, Liberty Mutual will work directly with your health provider to ensure that your medical bills are paid in an efficient and timely manner.
- Not at Fault Accidents – If your vehicle is damaged by someone else and you have filed a claim with us, your Claims Representative will communicate with the other insurance company to find out whether they have accepted 100% responsibility for the claim. You can choose to either pursue your claim directly through the other insurance company, or continue the process with Liberty Mutual to help ensure that you are compensated fully.
- Liability Claims – Whether you believe you are at fault or not, you may have a liability claim made against you. If that ever happens, a specialized Liberty Mutual Claims team will be assigned to handle the claim being made against you. That team will investigate the accident to determine who was at fault and how much you could be held responsible (if at all). Liability laws vary by state, so different conditions apply, but no matter what, Liberty Mutual will work with you to help resolve the claim fairly, including providing a legal defense if a lawsuit is filed against you (up to and until your policy limits are reached through the payment of a judgment or settlement).
General Auto Insurance Claims Process:
- Report Your Claim
- Contact carrier – this could be by telephone or website if they have this capability
- Have your personal information including your vehicle information
- Description of what happened
- Severity of Damage
- Estimated time and location of accident
- Information of other individuals involved in accident
- Information of any witnesses
- Appraisals and Repairs
- An insurance representative will inspect the vehicle and determine the type of claim your vehicle qualifies for based on damage and your insurance policy
- If a total claim is issued and your auto insurance policy covers replacement you will be issued a payment based on the coverage agreement you have with the carrier.
- If your vehicle qualifies for repair your carrier will have recommendations on auto shops and provide you with the financial amount they will be paying for repairs.