Good to know: You can file your insurance claim online, but your vehicle must be brought to Bob Weaver Collision in person for the estimate and any repairs.

So you’ve been in an accident and you’re filing a claim with Liberty Mutual. What comes next? We’re here to walk you through the process of getting your car repaired, and maybe even help you get the best service for your claim money!

Key Takeaways

  • Begin by filing your auto claim online, using Liberty Mutual’s official website or mobile app.
  • You don’t need to use Liberty Mutual’s preferred shops. Pennsylvania law gives you the power to choose a trustworthy collision center!
  • Since insurance payouts vary according to factors like damages and labor costs, getting an estimate from a trusted body shop can help you negotiate your claim.
  • At Bob Weaver, we’ll work with your Liberty Mutual claim to ensure your vehicle receives top-of-the-line service!

How do I file an auto claim with Liberty Mutual?

Since everything is online, Liberty Mutual makes the auto body insurance claims process easy. Simply sign into your account on their official website or mobile app and fill out the auto claim form. The company will review your filing, and a representative will contact you to go over the details and (possibly) open an investigation.

Liberty Mutual will write up an initial estimate based on the photos you submit. Once they’ve written that initial estimate, bring your vehicle to your trusted body shop for an estimate review. An independent body shop may discover damages that you or your insurance company missed — so that review can help you obtain a payout amount that covers all of your damages!

Do I have to use Liberty Mutual’s preferred network or can I choose my own body shop?

No, you don’t need to use your insurer’s direct repair program (DRP) — and yes, you can choose your own body shop! In fact, Pennsylvania law gives you the final say.

Because body shops in Liberty Mutual’s preferred network are working more for the insurance company than they are for you, it’s probably in your best interest to choose your own body shop. Insurers make arrangements with their preferred-network shops to help cut costs. Often, this results in rushed labor and recycled parts.

To enjoy the level of care you deserve, take your vehicle outside the network for repairs! As long as your policy allows it, an independent shop can use high-quality OEM parts. They can replace parts that a DRP shop might try to repair. And since they’re not giving out discounts on labor, an indie shop won’t rush service, reducing the potential for errors. And since your chosen collision center doesn’t have a preexisting agreement with Liberty Mutual, they can actively negotiate a proper payout, helping you cover the costs of high-quality repairs.

How does Liberty Mutual calculate my auto repair costs?

Liberty Mutual estimates how much to pay you (or the body shop) based on the specifics of your claim. Since factors (like which auto parts you need and how much labor is involved) vary on a case-by-case basis, so does payout.

Before the company can issue payment, you’ll need to get your repair estimate approved. According to their website, Liberty Mutual will then issue a check to cover repair costs, minus any deductible you owe. So, for example, if it costs an estimated $1,000 to fix your car, and you owe a $500 deductible, Liberty Mutual will pay $500.

What body shop can I use with Liberty Mutual insurance?

At Bob Weaver Collision, we have tons of experience working with insurance companies, including Liberty Mutual. Whether your vehicle needs new paint, frame straightening, or more extensive collision repairs, we give your claim the premium service it deserves.