• In some cases a vehicle may have sustained damage where the cost to repair exceeds state thresholds.  
  (This can vary state to state).  The vehicle is then considered a "Total Loss".  For these claims a Liberty Mutual Total Loss Customer Claims Representative will work with you as quickly as possible to get your claim resolved.
• A total loss would also occur if your vehicle were stolen and not recovered.

• Liberty Mutual uses an independent company that will determine your vehicle's market value by geographic region if it is considered a Total Loss.  This value is determined by the current market value for your car before the accident.
  (This is based on the book value, sale value, and the pre-accident condition of your car). You will receive a copy of the market valuation once it is complete.   We want you to be fully informed of the facts that were considered in the valuation. 
  Liberty Mutual will then reimburse you the market value amount of your car plus the appropriate sales tax minus your deductible.

• If you have purchased a replacement cost endorsement, valuation will be for a vehicle of the same year, make and model. The requirements for this endorsement for most vehicles would be:

1. One year or less in age, 
2. Not previously titled, and with 
3. Less than 15,000 miles. 

• There are different endorsements for certain manufacturers.  Your Customer Claims Representative will review this with you.

• Your Total Loss Customer Claims Representative will deal directly with your bank to pay them up to the market value towards your loan.  Any balance above this would be sent to you directly.   Your deductible would apply.
• If the market value is below your loan value you will be responsible for the loan balance. 
• You may also have purchased a Gap Endorsement, which would cover the difference between the market value and your loan value, less your deductible.

• After resolving your claim for the total loss, Liberty Mutual will take possession of your vehicle in most cases. 
  (This is referred to as salvage.)  Liberty Mutual will take care of the paperwork and title issues as required by the salvage laws.
• We can offer you assistance in locating another vehicle.
• Your Customer Claims Representative will communicate with the sales department at Liberty Mutual at the conclusion of your total loss claim.  The Sales department will transfer your coverages onto your next vehicle or remove the vehicle from your policy.

• Better Car Replacement is an extension of the New Car Replacement program.  Liberty Mutual will pay you the money to buy a car one model year newer with 15000 fewer miles if your car is totaled.
• For example – if you have a 2006 model year car that was totaled, we will replace it with a 2007 model year car with 15,000 fewer miles.