They said that this additional deductable amount was due to "betterment" on our vehicle. "Betterment" was not defined in the coverage(s) where it could be found easily. We contacted several other auto insurance companies about "betterment" and none said that they had heard of it and that it was not something that was in their policies.
I did NOT renew the policy with Liberty Mutual and will tell anyone who will listen, of my experiance with them. The repairs, costing over $4,500.00, were due to hitting a hole in the side of the highway pavement to avoid a head-on collision with a car that was in my lane. This was during a February snow storm near tahoe city