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Auto claims process
It only takes 5-10 minutes to file a claim in your online account. All that's needed is the approximate date of the incident and basic details of what happened. This simply starts the process and we'll contact you if more information is required.
I've filed my claim, what's next?
1. Have the damage reviewed
After you've filed, the next step typically is to have your vehicle's damage reviewed at a repair shop. We've got the repair network and digital tools to help you in your time of need – scroll below to find out more.
2. Get a rental car
If you need a car while yours is in the shop, Liberty Mutual partners with Enterprise Rent-a-Car to provide you with exceptional customer service at discounted rates. If you wish, you can also use the rental company of your choice.
3. Receive an estimate and schedule repairs
If your car isn't a total loss, we'll estimate the amount of money that it will take to repair it. We can then help you schedule the repairs, and if you use a shop in our Guaranteed Repair Network, they'll be 100% guaranteed for as long as you own your car. In most cases, we recommend that you let Liberty Mutual pay the repair shop directly once the work is completed. We'll pay the shop the entire cost except for your policy deductible, which is the out-of-pocket amount you're responsible for paying according to your policy.
Find a Guaranteed Repair Network shop near you
Understanding your damage estimate
4. Manage your claim to completion online
Simply log in to your online account to check the status of your claim, contact your claims representative, upload photos and documents, view payments, and much more.
Not sure if you should file? Get answers here