Complaint Review: Liberty Mutual Insurance - Dallas Texas

As a matter of fact, Elvera, we have been very active in keeping the pressure on this company. They are aware of their negative image as a result of this website. We remain committed to fighting unethical business practices. You kind of hit the nail on the head about their callousness. That is why we have a tendency to get a little crass. You can't get in the stye and expect not to get any pig sh*t on you. Thanks again for your remarks. Glad we could help. ED Magedson [email protected] badbusinessbureau.com

Well, I think Liberty Mutual must be really in a hurry to get rid of me. I was expecting them to drag out the refund processing BUT they send it to me one day after my policy cancellation became effective. I'm not sure how much this website had to do with it.

At any rate, I am glad this website exists. I have found much valuable information. Using it to help me get a mortgage and looking out for pitfalls, like switching notes at the last moment and not getting all the papers signed, things like that.

I like to say this to all the shills that regularly respond to our reports in behalf of their scheming companies:
Education does NOT equal intelligence. You guys are proving it every day with your callous remarks. That you are callous is proved by your perpetrating the criminal schemes of the companies you work for. How is THAT for reasoning ability?

BTW, I do not need spellcheck. I learned how to write while I was in school, probably 2nd and 3rd grade!

Elvera

Well, I think Liberty Mutual must be really in a hurry to get rid of me. I was expecting them to drag out the refund processing BUT they send it to me one day after my policy cancellation became effective. I'm not sure how much this website had to do with it.

At any rate, I am glad this website exists. I have found much valuable information. Using it to help me get a mortgage and looking out for pitfalls, like switching notes at the last moment and not getting all the papers signed, things like that.

I like to say this to all the shills that regularly respond to our reports in behalf of their scheming companies:
Education does NOT equal intelligence. You guys are proving it every day with your callous remarks. That you are callous is proved by your perpetrating the criminal schemes of the companies you work for. How is THAT for reasoning ability?

BTW, I do not need spellcheck. I learned how to write while I was in school, probably 2nd and 3rd grade!

Elvera

Well, I think Liberty Mutual must be really in a hurry to get rid of me. I was expecting them to drag out the refund processing BUT they send it to me one day after my policy cancellation became effective. I'm not sure how much this website had to do with it.

At any rate, I am glad this website exists. I have found much valuable information. Using it to help me get a mortgage and looking out for pitfalls, like switching notes at the last moment and not getting all the papers signed, things like that.

I like to say this to all the shills that regularly respond to our reports in behalf of their scheming companies:
Education does NOT equal intelligence. You guys are proving it every day with your callous remarks. That you are callous is proved by your perpetrating the criminal schemes of the companies you work for. How is THAT for reasoning ability?

BTW, I do not need spellcheck. I learned how to write while I was in school, probably 2nd and 3rd grade!

Elvera

Thanks April,

Just to recap...
previous owner files claim for wind damage with another insurance company in 2001 and got 247 Dollars.

I just bought the house, never filed a claim, ever
LM cancels my policy after taking my money and then noticing this claim from the CLUE report.
They cancel my policy and make it seem that I filed the claim.

I was told by Nationwide to contact the previous owner and get documentation. I only have their address. Mail will take too long to resolve this.

The policy will terminate on Dec 5th 2002
They gave me nothing itemized, showing fees etc.
If it takes 30 days after cancellation I will get a refund in Jan 2003, but will need to have money for a new policy before Dec 5th 2002.

This policy as well as my car insurance policy was canceled by the same person, Misty Williams.
What have I ever done to her?

BTW, I was incorrect about the car policy. They canceled it this year in April not last year, but they did reverse themselves on the cancellation.

I have been through a lot the last 2 years and can't get the years straight anymore, LOL.

Thanks again April, I'll try that

I personally do not like Liberty Mutual and would never deal with them on a personal level. That being said, LM can not hold your money. They have to return it to you; in check, via mail or certified mail, with a stamped date of no later than 30 days from the cancellation of your policy. I don't remember when you said it was up. They have supply you with a discriptive letter of cancellation, and a itemization letter of any fees they deduct.

Now, you can file an appeal with LM. They will have no choice but to hear you out. You may want to bring up the fact that the previous' owners claim was for wind damage. Why? Because in most policies, this is an "Act of God," and not covered by any insurance, so why they have paid a claim for such is beyond me. Dispute the fact that You are the NEW owner and the man that took or money and sold you the policy said nothing to this affect. Send a letter to the owner of this LM and tell him/her that you will be filing a complaint with the insurance commission and with your attorney general for fraudulently selling you a policy for their benefit. Let them know everything you've said in this report. Someone will see to it this doesn't happen.

Insurance companies usually do have the "3 Year Rule." But, they usually take into consideration, the cost of the previous claim, the number of claims filed on this property, and the person filing the claim. They really shouldn't be giving you all this crap.

Good Luck, and update us on how things go.

There was a claim filed with American Insurance Exchange (or something like that) for wind damage on May 5th 2001 by the previous owner of the property. They got a grand total of 247 Dollars.

There are no other claims within the last three years.
Liberty Mutual cancelled my Homeowners Policy because of this claim.

I have never owned property before therefore I don't have a history of claims.

I went to Nationwide Insurance after I spoke with one of the Sales Reps who assured me that they could write a policy for me.
Well, turns out they all seems to have that "No Claims In The Last Three Years" rule, at least that's what I was told by Yvonne of Nationwide Insurance. She said that if the claim was filed by the previous owner, all I needed to do is get the previous owner to hand over the documentation of the money they got and that they used on the house.

Well, I can't even get a hold of them since they provided fake phone numbers. I guess I could camp out in front of their house and wait until they show up?

I am totally amazed at american business in the 21st century. I thought that when you pay for insurance and you then have a legitimate claim that's what insurance is for!

Oh silly me, what they really want is take your money and get rich off you.

Liberty Mutual boast 50 Billion is assets on their website. Yet, they cancel me because a claim was filed last year by the previous owner with a different Insurance Co. and they got a measly 247 Dollars.

Is this insane or what?

Liberty Mutual will hold on to the 800+ Dollars I paid until the end of the year. Then I'm sure they will have all sorts of 'Fees' so they only have to give back a small portion eventhough I was insured for one month only.
It's just a wild guess on my part!

Elvera
Carrollton, Texas