they have been around for 90 years.. shouldnt they have had this moto and philosophy for most of that time or is this new to them.. premium too low makes me worry, just like too high.. all insurance companies are here to make money.. but keep things in balance and do what is legal.. for consumer check with dept or insurance on complaints, fines, and check on your agent.. insurance companies will not pay what they do not have to, and will for they are suppose to( better copanies do it quickly, other drag thier feet) but a good agent will still help you not only for the sale but after.. That is what we are suppose to do, along with making correct recomendation for all involved.
I just took out Homeowners and Auto with Liberty. First the pricing was well below what I had before. Then my experience with every single person I talked to was so wonderful, I was truly amazed. Each person is helpful, and will do whatever they have to to make you happy. I applaud them for raising the bar on customer service. More companies need to follow their lead!
PRT–You’ll see. As soon as you become the least problem, you’ll be thrown aaway and will have to get back into the insurance market without an agency relationship. Good luck.
I disagree with this reponse. The reason Liberty has grown to one of the ‘heavy hitters’ in our industry is directly related to their manner of taking care of their customers. I had had Liberty for the past 30 years, through a cross country move, teenage drivers and building a custom home. They were wonderful through it all. Yes I have had claims, please note the plural in teenage drivers 3 at the same time five cars, three new and they stuck by me always
I’m just as suspicious about the owners of this website, FBIC. It seems to be for lawyers, by lawyers. Funny how most of the big-name companies are in the Bad list, and companies most folks have never heard of, are in the Good list.
I think these are lawyers looking for clients that feel they’ve been wronged by one of these companies. They try to look legitimate by showing “good” companies, but need all the big names in the “bad” list to pull future clients from.
Now, I don’t have any personal experience with Libery Mutual, and I’m not jumping on their side. My parter used to be a big-hitter agent with the company, and he has little regard for the CEO. But, if this is the approach they are trying to insert into their corporate culture, I think it’s great. Will it really infiltrate and be practiced? That remains to be seen.
Ok, Ron …that’s true. But, can’t companies change – for the better, or for the worse? Again, I’m not saying they have changed, I’m not saying they needed to change. I just don’t know enough to comment.
What I am particularly commenting about right now, is the FBIC website that’s been referenced.
I’m a Texas agent. When I look at the “good” list, and compare with the Texas Department of Insurance’s 2007 complaint/size data, I see this.
Chubb – no question, a good company. You need a 500K home in these parts (which is very large here – maybe not in Connecticut), and they have 7500 auto policies in the state. Wow …compared to State Farm’s 3+ million, that’s not even a blip on the radar screen. By the way, I’m not a St Farm agent.
Amica – a captive company. That alone leaves the consumer at more risk. They are a little bigger with 39,000 autos. A little bigger blip.
Allianz – which, here seems to mean Fireman’s Fund. Ok, another good company. In Texas, they seem to have 2 companies that write auto, and together they have a couple thousand policies with a combined complaint ration of triple what we like to see – but, we understand that the 1 complaint they’ve had skews those numbers for companies of that size. Basically, a non-player not even mentionable here.
That’s the top three for the “good” guys in this list. As I scan through, there are only a couple more mentionable companies. GMAC (maybe they are good elsewhere, but they were not good in our agency before we terminated our relationship), WellPoint Health (here, that means UniCare, and they don’t have the greatest reputation either), Swiss Re (Ok, may be good if you’re an insurance company that needs reinsurance), UniTrin (well, they are now an internet, direct writer …and, I think the only way the Geico’s of the world survive is due to the ignorant consumers setting up their policies inappropriately, so the company can say “gotcha, no coverage”, and “it’s all your fault because you did it”. Maybe I have a skewed perspective …but, I can’t tell you how man doctors I have seen that have min limits and UMPD only. Yikes!!! Self-serve insurance is not for most people, and it never will be – but, I guess it cuts down on the complaints. Who’s going to file against themselves?
Anyway, for Autos and Homes, this list is so exclusive, it’s pitiful. So, I still ask the question, who are these guys? I think it’s a group of attorney’s that are trying to look legit by showing an equal number of “good” places to buy insurance, while trying to churn the Bad Faith claims up out of the real insurance players.
Just my perspective, with only a cursory viewing of the website, though.
Intresting, how agents slam a direct writer, how much is the commission a agent recieves each year? No wonder there is Geico, State Farm , All State, and the list goes on………..
Worked for Liberty for 2 years when they acquired direct writer I worked for. They promised to take care of everyone and boy did they. Worked us to the bone, never accepted us as a part of their company and then closed the office. They are getting larger by acquisition of companies not customers who actually choose them. Not bitter since I am in a much better place and would not have looked for this opportunity – just stating what appears to be their ‘responsible’ business practices.
I wish they really knew what their employee’s are like. No return phone calls, arrogant, etc. My wife ha suffered for over 8 months, with pain and suffering from falling in amajor luxury retailer store because of a wet marble floor, everyone tells me it is time to go public and give this story to the newspapers. It is a shame that people want to chew you down to nothing when you have not been able to have any quality of life for 8 months, and have not paid one medical bill.
Last night was a typical night of being awake ,with her pain. I guess having an ad campaign is great publicity for the big Insurance company but how about the little guy.Their client is well known.
I don’t know, on the one hand, I’d be happy if Liberty Mutual would pay your claim, because they are nothing but a competitor to me. On the other hand, I have little patience with 98% of all slip & fall claims.
I believe in a long lost character attribute called personal responsibility.
Now, if this Luxury Retail store put this water down themselves and carelessly left it for potential victims, that would be one thing, but I would seriously bet that’s not what happened. Were they really mopping the floors during biz hours? I don’t think so. Rather, if this isn’t a set-up insurnace scam, it would have likely been another customer that spilled something on the floor.
Why is that your luxury retailer’s fault.
Tell your wife to watch where she’s going, and deal with the consequences when she doesn’t. We’ve all run into a pole, or stepped down a curb before we knew it was there. If it hurt, it hurt. I know that sounds harsh, and uncaring, but it’s really not meant that way.
Things just happen!
You should have health insurance, and they should be paying the bills. Quality of life diminishes for all of us. Why should all of us have to pay for your wife’s diminished quality, when nobody is paying for ours?
And, the threat of going public? Oh boy …suck it up and don’t be a spoiled brat. If you want to be man enough to go public because you think this store delibertately tried to cause you trouble, then be a man and do it. Don’t play the bluff card, though.
Sounds to me like two whiners found each other. Hope it’s marital bliss, but I’m guessing you whine about each other just as much.
Have a new day.
Facts:
New Marble floor just installed.
No Orange cones or tape used.
No sign to watch your step
Floor was totally wet.
Head of Security was present with Police.
Report says it was the fault of the Retailer.
Fact: Two Surgeons say the woman needs surgury. { Operation }
The women has paid all her bills and has never asked an Insurance company for anything.
Fact: Do not judge someone on cicumtantial evidence.
But you have a good day.
Is Liberty trying to sell insurance to us?
The Insurance people? Whats with ALL the articles about how great they are lately IJ? I want to hear the news not the Liberty Mutual commercials!
Let’s assume your facts are true, which I can not judge. Are you saying they JUST installed that marble floor? If so, I doubt the retailer had their own employees installing that floor. There would have been a flooring contractor doing that, wouldn’t they?
Why aren’t they at fault? Maybe their pockets aren’t as deep? Maybe they’ve already settled with you, and you’re looking for a bigger score?
Middle of the day construction just doesn’t sound right to me, still. But, if you say so. Who am I to argue?
The police came? Why??? They won’t show up at an automobile accident if somebody isn’t injured. There is nothing law enforcement can do on private property unless somebody is assaulting her. Sounds to me like somebody had thier speed dial ready. Was a news crew there in short order too?
That speculation is probably errant, though. I apoligize for not walking in your shoes, first.
What do you think a surgeon is going to say? That’s what they do. When I fell, all on my own, I had two herniated disks. After 6 months of suffering, they said I could either deal with the pain, or they could operate. I decided against an operation, and boy am I glad I did.
I’ve never spoken to anyone that’s had that type of surgery, and been 100% aftewards. Another 3-4 months and my excrutiating pain was finally gone. (When I say excruciating, it was just that …so, I can sypmathize with how she feels.) My full muscle control/strenth was not back for several years. My thumb and forefinger tinlgled for even longer, and may still today, but not enough to hardly notice now, 10 years later. I think I probably just got more used to that tingling, but I’m finally back essentially to normal.
Again, I repeat, why should I pay for your wife’s pain and suffering? Did she miss the new marble floor that was “totally wet”? How can you miss a brand new marble floor, that’s totally wet? Maybe she’s never been in that store, and didn’t realize the floor was new, but I’ll bet (if this wasn’t a set-up claim) she’s been their quite a lot.
Look, if the store actually caused the problem, and didn’t put up the cones, tape and/or signs, then they should be paying her bills. If it was true negligence, then perhaps she should get something for her suffering …but, not the winning lottery ticket. I find it hard to believe that the store’s insurance company hasn’t offered a settlement, if your facts are true and correct. They would NOT pay any partial medical bills, though. They need to know when they make a payment, that all is done at that point. They really don’t owe a penny until a court says they owe a penny, and I’m surprised your attorney hasn’t explained that fact yet. Now, most companies don’t wait for a court to do the ordering. They try to settle, and yes, they will try to settle for as little as possible. And yes, you will try to setlle for as much as possible. So, it takes some time …even if the company wants to do everything 100% right by the claimant. More facts of life.
Her bills are being paid by her medical insurance …right? Her pain and suffering, if true, aren’t going to go away with any more zeroes on the end of the final number. Right?
So, what’s the problem? Me-thinks you are trying to hit the insurance company harder than they would like. If that’s true, then the only option is to go to court and let them decide.
Bills are still getting paid. Life is still as painful as it would be with more money. And, if things are as you describe, she will be rewarded eventually and be able to make future trips to luxury retail stores.
I was wondering if this is Liberty Mutual’s Protocol for Workers’ Compensation Claims. They approved procedures verbally but once service is done they would turn around and send denial letters to provider. Is this a good business ethics? They don’t care of those employees that worked so hard. All they care is the premium that is paid by the employers. Hello give and take, you would have not earned so much without the employees coverage by the employers. Ranked no. 10? It should be no. 1 as adjusters are trained to deny claims in any which way they can. I don’t recommend Liberty Mutual in my wildest dream.
they have been around for 90 years.. shouldnt they have had this moto and philosophy for most of that time or is this new to them.. premium too low makes me worry, just like too high.. all insurance companies are here to make money.. but keep things in balance and do what is legal.. for consumer check with dept or insurance on complaints, fines, and check on your agent.. insurance companies will not pay what they do not have to, and will for they are suppose to( better copanies do it quickly, other drag thier feet) but a good agent will still help you not only for the sale but after.. That is what we are suppose to do, along with making correct recomendation for all involved.
I just took out Homeowners and Auto with Liberty. First the pricing was well below what I had before. Then my experience with every single person I talked to was so wonderful, I was truly amazed. Each person is helpful, and will do whatever they have to to make you happy. I applaud them for raising the bar on customer service. More companies need to follow their lead!
PRT–You’ll see. As soon as you become the least problem, you’ll be thrown aaway and will have to get back into the insurance market without an agency relationship. Good luck.
I disagree with this reponse. The reason Liberty has grown to one of the ‘heavy hitters’ in our industry is directly related to their manner of taking care of their customers. I had had Liberty for the past 30 years, through a cross country move, teenage drivers and building a custom home. They were wonderful through it all. Yes I have had claims, please note the plural in teenage drivers 3 at the same time five cars, three new and they stuck by me always
Leaving aside the anecdotal stuff, provided perhaps by Liberty blog ghosters, check out this link for a broader perspective:
http://www.badfaithinsurance.org/
FBIC stands for:
Fight Bad Insurance Companies
Come on you ghosters, pour on some more favorable comments. we’ re ready for you.
I’m just as suspicious about the owners of this website, FBIC. It seems to be for lawyers, by lawyers. Funny how most of the big-name companies are in the Bad list, and companies most folks have never heard of, are in the Good list.
I think these are lawyers looking for clients that feel they’ve been wronged by one of these companies. They try to look legitimate by showing “good” companies, but need all the big names in the “bad” list to pull future clients from.
Now, I don’t have any personal experience with Libery Mutual, and I’m not jumping on their side. My parter used to be a big-hitter agent with the company, and he has little regard for the CEO. But, if this is the approach they are trying to insert into their corporate culture, I think it’s great. Will it really infiltrate and be practiced? That remains to be seen.
This website, though …very fishy.
Ok, Ron …that’s true. But, can’t companies change – for the better, or for the worse? Again, I’m not saying they have changed, I’m not saying they needed to change. I just don’t know enough to comment.
What I am particularly commenting about right now, is the FBIC website that’s been referenced.
I’m a Texas agent. When I look at the “good” list, and compare with the Texas Department of Insurance’s 2007 complaint/size data, I see this.
Chubb – no question, a good company. You need a 500K home in these parts (which is very large here – maybe not in Connecticut), and they have 7500 auto policies in the state. Wow …compared to State Farm’s 3+ million, that’s not even a blip on the radar screen. By the way, I’m not a St Farm agent.
Amica – a captive company. That alone leaves the consumer at more risk. They are a little bigger with 39,000 autos. A little bigger blip.
Allianz – which, here seems to mean Fireman’s Fund. Ok, another good company. In Texas, they seem to have 2 companies that write auto, and together they have a couple thousand policies with a combined complaint ration of triple what we like to see – but, we understand that the 1 complaint they’ve had skews those numbers for companies of that size. Basically, a non-player not even mentionable here.
That’s the top three for the “good” guys in this list. As I scan through, there are only a couple more mentionable companies. GMAC (maybe they are good elsewhere, but they were not good in our agency before we terminated our relationship), WellPoint Health (here, that means UniCare, and they don’t have the greatest reputation either), Swiss Re (Ok, may be good if you’re an insurance company that needs reinsurance), UniTrin (well, they are now an internet, direct writer …and, I think the only way the Geico’s of the world survive is due to the ignorant consumers setting up their policies inappropriately, so the company can say “gotcha, no coverage”, and “it’s all your fault because you did it”. Maybe I have a skewed perspective …but, I can’t tell you how man doctors I have seen that have min limits and UMPD only. Yikes!!! Self-serve insurance is not for most people, and it never will be – but, I guess it cuts down on the complaints. Who’s going to file against themselves?
Anyway, for Autos and Homes, this list is so exclusive, it’s pitiful. So, I still ask the question, who are these guys? I think it’s a group of attorney’s that are trying to look legit by showing an equal number of “good” places to buy insurance, while trying to churn the Bad Faith claims up out of the real insurance players.
Just my perspective, with only a cursory viewing of the website, though.
Intresting, how agents slam a direct writer, how much is the commission a agent recieves each year? No wonder there is Geico, State Farm , All State, and the list goes on………..
Worked for Liberty for 2 years when they acquired direct writer I worked for. They promised to take care of everyone and boy did they. Worked us to the bone, never accepted us as a part of their company and then closed the office. They are getting larger by acquisition of companies not customers who actually choose them. Not bitter since I am in a much better place and would not have looked for this opportunity – just stating what appears to be their ‘responsible’ business practices.
I wish they really knew what their employee’s are like. No return phone calls, arrogant, etc. My wife ha suffered for over 8 months, with pain and suffering from falling in amajor luxury retailer store because of a wet marble floor, everyone tells me it is time to go public and give this story to the newspapers. It is a shame that people want to chew you down to nothing when you have not been able to have any quality of life for 8 months, and have not paid one medical bill.
Last night was a typical night of being awake ,with her pain. I guess having an ad campaign is great publicity for the big Insurance company but how about the little guy.Their client is well known.
Ed McMahon, is that you? Ha!
I don’t know, on the one hand, I’d be happy if Liberty Mutual would pay your claim, because they are nothing but a competitor to me. On the other hand, I have little patience with 98% of all slip & fall claims.
I believe in a long lost character attribute called personal responsibility.
Now, if this Luxury Retail store put this water down themselves and carelessly left it for potential victims, that would be one thing, but I would seriously bet that’s not what happened. Were they really mopping the floors during biz hours? I don’t think so. Rather, if this isn’t a set-up insurnace scam, it would have likely been another customer that spilled something on the floor.
Why is that your luxury retailer’s fault.
Tell your wife to watch where she’s going, and deal with the consequences when she doesn’t. We’ve all run into a pole, or stepped down a curb before we knew it was there. If it hurt, it hurt. I know that sounds harsh, and uncaring, but it’s really not meant that way.
Things just happen!
You should have health insurance, and they should be paying the bills. Quality of life diminishes for all of us. Why should all of us have to pay for your wife’s diminished quality, when nobody is paying for ours?
And, the threat of going public? Oh boy …suck it up and don’t be a spoiled brat. If you want to be man enough to go public because you think this store delibertately tried to cause you trouble, then be a man and do it. Don’t play the bluff card, though.
Sounds to me like two whiners found each other. Hope it’s marital bliss, but I’m guessing you whine about each other just as much.
Have a great new day.
Have a new day.
Facts:
New Marble floor just installed.
No Orange cones or tape used.
No sign to watch your step
Floor was totally wet.
Head of Security was present with Police.
Report says it was the fault of the Retailer.
Fact: Two Surgeons say the woman needs surgury. { Operation }
The women has paid all her bills and has never asked an Insurance company for anything.
Fact: Do not judge someone on cicumtantial evidence.
But you have a good day.
Is Liberty trying to sell insurance to us?
The Insurance people? Whats with ALL the articles about how great they are lately IJ? I want to hear the news not the Liberty Mutual commercials!
Jon,
Let’s assume your facts are true, which I can not judge. Are you saying they JUST installed that marble floor? If so, I doubt the retailer had their own employees installing that floor. There would have been a flooring contractor doing that, wouldn’t they?
Why aren’t they at fault? Maybe their pockets aren’t as deep? Maybe they’ve already settled with you, and you’re looking for a bigger score?
Middle of the day construction just doesn’t sound right to me, still. But, if you say so. Who am I to argue?
The police came? Why??? They won’t show up at an automobile accident if somebody isn’t injured. There is nothing law enforcement can do on private property unless somebody is assaulting her. Sounds to me like somebody had thier speed dial ready. Was a news crew there in short order too?
That speculation is probably errant, though. I apoligize for not walking in your shoes, first.
What do you think a surgeon is going to say? That’s what they do. When I fell, all on my own, I had two herniated disks. After 6 months of suffering, they said I could either deal with the pain, or they could operate. I decided against an operation, and boy am I glad I did.
I’ve never spoken to anyone that’s had that type of surgery, and been 100% aftewards. Another 3-4 months and my excrutiating pain was finally gone. (When I say excruciating, it was just that …so, I can sypmathize with how she feels.) My full muscle control/strenth was not back for several years. My thumb and forefinger tinlgled for even longer, and may still today, but not enough to hardly notice now, 10 years later. I think I probably just got more used to that tingling, but I’m finally back essentially to normal.
Again, I repeat, why should I pay for your wife’s pain and suffering? Did she miss the new marble floor that was “totally wet”? How can you miss a brand new marble floor, that’s totally wet? Maybe she’s never been in that store, and didn’t realize the floor was new, but I’ll bet (if this wasn’t a set-up claim) she’s been their quite a lot.
Look, if the store actually caused the problem, and didn’t put up the cones, tape and/or signs, then they should be paying her bills. If it was true negligence, then perhaps she should get something for her suffering …but, not the winning lottery ticket. I find it hard to believe that the store’s insurance company hasn’t offered a settlement, if your facts are true and correct. They would NOT pay any partial medical bills, though. They need to know when they make a payment, that all is done at that point. They really don’t owe a penny until a court says they owe a penny, and I’m surprised your attorney hasn’t explained that fact yet. Now, most companies don’t wait for a court to do the ordering. They try to settle, and yes, they will try to settle for as little as possible. And yes, you will try to setlle for as much as possible. So, it takes some time …even if the company wants to do everything 100% right by the claimant. More facts of life.
Her bills are being paid by her medical insurance …right? Her pain and suffering, if true, aren’t going to go away with any more zeroes on the end of the final number. Right?
So, what’s the problem? Me-thinks you are trying to hit the insurance company harder than they would like. If that’s true, then the only option is to go to court and let them decide.
Bills are still getting paid. Life is still as painful as it would be with more money. And, if things are as you describe, she will be rewarded eventually and be able to make future trips to luxury retail stores.
I was wondering if this is Liberty Mutual’s Protocol for Workers’ Compensation Claims. They approved procedures verbally but once service is done they would turn around and send denial letters to provider. Is this a good business ethics? They don’t care of those employees that worked so hard. All they care is the premium that is paid by the employers. Hello give and take, you would have not earned so much without the employees coverage by the employers. Ranked no. 10? It should be no. 1 as adjusters are trained to deny claims in any which way they can. I don’t recommend Liberty Mutual in my wildest dream.