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Glossary

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Sometimes "insurance speak" can sound like a foreign language. Cut through the fog with our handy glossary below!

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Liability Claims

  • Whether you believe you are at fault or not, you may have a liability claim made against you by other person(s) or entities involved in the accident.
  • A Claims team that specializes in liability claims will be assigned to handle the claim being made against your policy, by another person or organization.  If someone has reported a claim against you before you have reported the accident to us, the Customer Claims representative will try to reach you by phone.  If they are unable to contact you directly they will send you a letter seeking contact and possibly send a claims field specialist to your home to confirm the facts with you.
  • The Customer Claims Representative will investigate the accident to determine fault and how much you would be held responsible.
  • Liability laws vary from state to state so different conditions apply as to when an individual can pursue a claim against you.  If the individuals are alleging injury, then a bodily injury claims specialist will be assigned to handle those claims.  Liberty Mutual will work to protect you by paying for claims that you are legally responsible for in terms of property damage caused directly by the accident.

Legal Assistance
If a law suit is filed against you, and you have coverage for the accident, Liberty Mutual will provide you with legal defense of a covered claim until your policy limits are reached.  This does not include legal defense for any civil traffic ticket or criminal matter.