Liberty Mutual Car Insurance Options

Liberty Mutual Group is a seasoned player in the insurance game, but just in case you want to know what car insurance coverage and deductible options Liberty Mutual offers, this information may help.

This insurance carrier is number three in the industry and its standing with A.M. Best is proof of this fact. Liberty Mutual reported over $112 billion in assets at the end of the fiscal year 2010.

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Liberty Mutual writes several insurance lines for your life, home, business, and car insurance needs.

Since car insurance is a state requirement, it is important to get the best coverage for your money. Whether you are an individual, family, or business owner, Liberty Mutual has a representative qualified to help you.

Business owners have needs that exceed the needs of individuals, not that individual policies are any less important.

You may be able to multiply the amount of coverage an individual needs several times to equal the amount a big business like a transportation company may need. This is also the case when it comes to business groups.

What car insurance coverage options does Liberty Mutual offer?

Liberty Mutual is a company worth considering if your group is taking a trip. The group coordinator is responsible for a task that takes careful planning. Everybody in the group has to be covered with travel insurance before the date of departure.

If the group is traveling by van or bus, all of its members will be covered under the van or bus policy. If the company is a transportation business, it is probably a fleet policy.

The van or bus will carry the minimum required amount of commercial coverage by the state where the business is located.

The coverage options offered by Liberty Mutual for your fleet coverage may include:

• commercial auto
• motor carriers
• truckers
• garage keepers

The list may also include excess liability, which is for companies who decide to self-insure. Self-insurance is a choice made by business owners that allows them to save on outside coverage.

However, if it is a small- to medium-sized company, one claim could financially wipe out the whole company.

For this reason, excess liability is purchased for additional protection against large claims. Businesses can take advantage of the Liberty Mutual’s global services as well. Many businesses are becoming international, including this major carrier who offers professional indemnity coverage.

When establishing coverage, you can opt for a single claim limit or split limit policy, the latter of which is commonly expressed like 50,000/120,000/30,000 and pays $50,000 for a single person set of injuries and $120,000 for any injuries or deaths of any multiple numbers of people.

The $30,000 is for property damage related to the accident. The single claim limit is $1,000,000 is for injuries, deaths, and property damage.

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What car insurance deductible options does Liberty Mutual offer?

Liberty Mutual offers deductibles commonly offered by most insurers. While individuals opt for deductibles that range from $0 to $1,500, business deductibles are higher.

Instead of paying separate deductibles, truckers can combine the deductible for the truck, the cargo, and the trailer, for example.

Business owners may want to remember that they are responsible for the deductible in the event of an accident.

The amount and how you set up your business deductibles may be critical to your cash flow in the event of an accident.

Therefore it is advisable to set a realistic amount based on what your business can afford to pay as opposed to setting an amount strictly based on how it affects the business commercial car insurance premiums.

What special car insurance program options does Liberty Mutual offer?

This company has several programs to benefit your business, such as the Liberty Mutual Research Institute for Safety and Driver Safety Program. The research institute is responsible for studying safety practices and accidents.

An example is a recent study that determined a trucking company was experiencing excessive sideswipes because of poor visibility. As a result of these finding, they recommended more mirrors.

The Liberty Mutual Group services many companies domestically and globally. With this in mind, there are many different programs specifically designed for certain industries. Therefore, you may want to discuss further program options with your Liberty Mutual agent or representative.

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