The following LM General Car Insurance review finds that this company is backed by a larger and well known entity and offers a variety of insurance policies. LM General Insurance Company is a property and casualty subsidiary of Liberty Mutual. As of 2008 year end it had over $9 million in assets with a million dollars in cash flow. Formerly Prudential General Insurance Company, it was incorporated in 1978 and is headquartered in Boston, Massachusetts.
As early as 1975, LM General Insurance Company was known as Monmouth Property and Casualty Insurance Company. It is currently authorized to sell the following insurance: accident and health, aircraft, animal, automobile, boiler and machinery, burglary and theft, collision, common carrier liability, credit, disability, elevator, fidelity and surety, fire, legal insurance, liability, marine and inland marine, marine protection and indemnity, miscellaneous personal injury liability, motor vehicle and aircraft physical damage, property damage liability, plate glass, sprinkler, team and vehicle, water damage, and workers’ compensation and employers’ liability.
Since Liberty Mutual’s inception in 1912, Liberty Mutual has grown to provide various insurance products for personal needs as well as business. Auto insurance through Liberty Mutual includes standard liability, medical payments, personal injury protection, uninsured/underinsured motorist protection, and collision and comprehensive.
In addition, you can purchase optional coverage for New Car Replacement provided the car is owned by you with no previous owners. The car must be less than 1 year old and cannot have more than 15,000 miles on it at the time the insurance coverage is purchased. With the New Car Replacement program, in the event your car is totaled in an accident, you will receive replacement value with no depreciation loss.
Other coverage available through LM General Car Insurance as a subsidiary of Liberty Mutual includes unlimited rental coverage, mechanical parts replacement, and car windshield repairs. Although Liberty Mutual services are available nationwide, not all plans are available in every state.
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