Should I file a claim?

Not necessarily.^* Several factors come into play, including

• Your driving record (for auto claims)
• How much we've paid on any previous claims
• Policy changes, such as selecting a different deductible or revising coverage limits
• Discounts applied to your policy (ex., bundling your home with your auto)
• The number of claims you've filed
• Changes to your credit history

Rest assured that we'll do whatever we can to keep your premium as low as possible. And if your rate does increase, it won't go up until your current policy ends (you can see that date on your account homepage). In that case, we'll contact you by mail 30-60 days before your current policy expires with all your information.

*Please note that failure to notify Liberty Mutual of a claim, as stated in your policy, can result in the loss of Liberty Mutual's obligations to defend and pay that claim on your behalf.

To determin what is and isn't covered by your policy, you need to file a claim. After that, a Claims Representative will review the incident details and get back to you within 1-2 business days.

If you want to review your policy before filing, you can log into your online account and visit the Coverage Overview page to use our Am I Covered? tool to see how your coverage would hold up in a variety of scenarios.

You can find your deductible (and other policy information) by visiting the Coverage Overview page in your online account.

Not all claims require a police report, but some do. Because state laws regarding police reports vary, you should consult your local guidelines before proceeding.

While you don't always need a police report to file a claim, having one can help verify the incident details and speed up the claims process.

To get started, you will need

• Your username and password, which you can use to log into your account and answer a short series of questions in order to file (If you file by phone, you might be asked to provide your policy number too).
• The date of the incident (or the date you noticed the damage).
• A bried description of what happened and any resulting damages.

Even if you feel that you are not at fault for an incident, you need to file a claim in order to get an official determination and move forward in the process. After you file, a Claims Representative will review the incident details and get back to you within 1-2 business days.

The claims process and timeline can vary depending on the type of claim and severity of the damage. Once you've filed, a Claims Representative will review the incident details and get back to you within 1-2 business days. If you want to speed up the process, you can also get updates and manage next steps (uploading documents, scheduling repairs, etc.) in your online account.

For an overview of the typical claims process, visit the Claims Center.

It's important to keep in mind that if you don't report an incident, we may not be required to pay for it. Certain types of claims are require prompt reporting-generally within 90 days of the incident.

If you're still unsure, you can read more about your policy's requirements and review your coverage by logging into your online account.