How do I report an accident to Liberty Mutual if I am not the policyholder but was involved in the accident? (2025)
You might wonder how to report an accident to Liberty Mutual if you're not the policyholder but were involved in the accident. Just call Liberty Mutual customer service at 1-800-290-8711. Learn about Liberty Mutual's auto claims process and what it's like dealing with Liberty Mutual after an accident below.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jan 31, 2024
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UPDATED: Jan 31, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Report your accident with a Liberty Mutual policyholder online or by phone
- Gather evidence, such as photos and statements, to build your case
- Unfortunately, Liberty Mutual has poor claims satisfaction
If you got into an accident with a Liberty Mutual policyholder, you might wonder how to report an accident to Liberty Mutual if you’re not the policyholder but were involved in the accident. Call the Liberty Mutual accident number at 1-800-290-8711 to report an accident and file an auto claim.
Read More: Liberty Mutual Auto Insurance Review
This guide will walk you through the steps to report an accident involving a Liberty Mutual policyholder, what to expect during the claims process, and what it’s like dealing with Liberty Mutual after an accident.
How to Report an Accident to Liberty Mutual if You’re a Non-Policyholder Involved in an Accident
There are various steps to follow when filing a Liberty Mutual accident claim as a non-policyholder involved in a wreck. Read on to learn more about reporting an accident and the Liberty Mutual auto claims process.
Reporting the Accident to Liberty Mutual
First, gather the necessary information from the scene of the accident. Take photos of vehicle damage, property damage, license plates, and people involved. Exchange information with the other driver without admitting fault or making accusations. Remember to review your affordable auto insurance policy to ensure you have adequate coverage.
Next, contact Liberty Mutual by phone or online through its third-party claims portal. Provide basic incident details and create an online account with your claim number. A claims representative will reach out within one to two business days.
Read More: What is the difference between a first-party claim and a third-party claim?
Liberty Mutual Investigation and Claim Process
Liberty Mutual will investigate your claim by reviewing statements, police reports, scene investigations, and state laws. If the company’s insured is found at fault, Liberty Mutual will pay for accident-related damages to your vehicle (and potentially injury costs to you). The claim process duration varies based on the severity of damage and the type of claim.
It’s essential to understand how to file an auto insurance claim and when you need to file a police report after an accident. Different states have specific requirements and reporting deadlines.
Liberty Mutual Damage Assessment and Repairs
You may choose any repair shop for your vehicle repairs. However, Liberty Mutual offers a Guaranteed Repair Network program with over 2,000 shops nationwide that meet or exceed industry standards. The insurer will pay for repairs directly to the chosen repair shop, minus any applicable auto insurance deductible.
Liberty Mutual will also provide rental vehicle coverage if its insured is found at fault. The rental duration depends on the repair time or total loss process. Keep in mind that there are daily and maximum limits, and you are responsible for any costs exceeding these limits.
Additional Liberty Mutual Claims
If you sustained injuries in the accident, you might need affordable personal injury protection (PIP) auto insurance coverage. Notify Liberty Mutual of any medical bills, child safety seats involved in the accident, or damages to your residence caused by their policyholder’s vehicle.
What is the property damage insurance claims process? Remember that each state has its own statute of limitations for property damage and bodily injury claims. To protect your right to recover damages, settle your claim or file a lawsuit within the specified time frame from the date of the accident.
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Liberty Mutual Customer Service and Claims Handling
Dealing with Liberty Mutual after an accident might be challenging.
According to the National Association of Insurance Commissioners, Liberty Mutual has a complaint index score of 3.09, with the average being 1.00. So, Liberty Mutual receives more than three times as many customer complaints as similar-sized companies.
Kristen Gryglik Licensed Insurance Agent
On the other hand, Liberty Mutual has an A, or excellent, rating from A.M. Best, a credit rating agency. This rating indicates the company’s ability to pay out claims, though there are still concerns about Liberty Mutual customer service.
So, what should I do if my auto insurance claim is denied? If Liberty Mutual denies your auto claim and you feel it should have been accepted, draft a letter of appeal to your insurer and consider hiring an attorney.
More About Reporting an Accident to Liberty Mutual as a Non-Policyholder
Reporting an accident to Liberty Mutual when you’re not the policyholder can be straightforward if you follow these steps. By providing accurate information and understanding the auto insurance claim process, you can ensure a smooth experience while seeking compensation for damages.
Frequently Asked Questions
How do I report an accident to Liberty Mutual if I am not the policyholder but was involved in the accident?
Contact Liberty Mutual customer service at 1-800-290-8711 to file a third-party claim against one of their drivers.
How are Liberty Mutual settlement reviews?
According to the National Association of Insurance Commissioners, Liberty Mutual customer service has a complaint index score of 3.09, meaning the company has a high volume of complaints.
Is Liberty Mutual good at paying claims?
While the company has a high volume of customer complaints, Liberty Mutual has an A rating from A.M. Best, a credit rating agency. So, the company shouldn’t have issues paying out claims.
What should I do if Liberty Mutual denied my accident claim?
You should write a letter appealing your Liberty Mutual auto claim and consider hiring an attorney if you feel your claim was wrongly denied.
What if the Liberty Mutual policyholder is disputing fault in the accident?
During the investigation process, Liberty Mutual will review all available evidence, including statements from both parties, police reports, and any other documentation provided. The company will determine fault based on this information and state laws. If you disagree with its decision, consult with your own insurance provider or consider seeking legal advice.
How long does it take for Liberty Mutual to process my claim?
The duration of the claim process depends on various factors such as the type of claim, severity of damage, and complexity of the case. Generally, a claims representative will contact you within one to two business days after reporting the claim.
Do I need to notify my own insurance company about the accident even though I’m not at fault?
Yes, we recommend you inform your own insurance company about any accidents you’re involved in, regardless of who is at fault to ensure your insurer is aware of all relevant facts and can provide assistance if needed during the claims process. Additionally, notifying your own insurer can be beneficial in case the other party’s insurer disputes liability or fails to cover your damages promptly.
Do all Liberty Mutual policies have accident forgiveness?
Liberty Mutual customers who go five years without an accident get accident forgiveness added to their policy for free.
Will Liberty Mutual insure a car not in my name?
Yes, you can get non-owner car insurance coverage with Liberty Mutual.
Can someone drive my car and be covered on my insurance with Liberty Mutual?
Yes, if you give someone permission to drive your vehicle, your Liberty Mutual policy extends to them.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.