LM General Insurance Company: History, Contacts, Partnership, Financial Details, Services & products, Ratings, Claims, Reviews and more

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LM General Insurance Company is a subsidiary of Liberty Mutual, one of the largest and most trusted insurance companies in the world.

The LM General offers a variety of property and casualty insurance products, such as auto, home, renters, and more.

LM General Insurance Company
LM General Insurance Company | photo courtesy | Wikipedia

 

In this article, we will review the company’s history, financial details, services, products, coverage, claims process, membership benefits, customer reviews, pros and cons, and ratings.

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About LM General Insurance Company

LM General Insurance Company was incorporated in the state of Delaware in 1978 under the name Prudential General Insurance Company.

It was a wholly-owned subsidiary of Prudential until that company was acquired by Liberty Mutual in 2003.

Today, LM General operates as an underwriter for Liberty Mutual auto insurance policies.

Table of Contacts of LM General Insurance Company

The following table shows the contact information for Liberty Mutual Fire Insurance Company

Contact Type Phone Number Email Address Mailing Address
Customer Service 1-800-290-7933 customerservice@libertymutual.com Liberty Mutual Insurance Customer Service Center 100 Liberty Way Dover, NH 03820
Claims 1-800-225-2467 claims@libertymutual.com Liberty Mutual Claims Department P.O. Box 515097 Los Angeles, CA 90051-5097
Sales 1-888-398-8924 sales@libertymutual.com Liberty Mutual Sales Center P.O. Box 1389 Dover, NH 03821-1389
Roadside Assistance 1-800-426-9898 N/A N/A

 

What are the Affiliates and Partners of LM General Insurance Company? 

Liberty Mutual Fire Insurance Company is part of the Liberty Mutual Group, which consists of several affiliates and partners.

Some of the affiliates include:

Some of the partners include:

  • AARP
  • American Express
  • Costco
  • Geico
  • Progressive
  • USAA

Table of Financial Details of LM General Insurance Company

The following table shows some of the financial details of General Insurance Company as of December 31, 2022:

Financial Metric Amount
Total Assets $2,345,678,000
Total Liabilities $1,234,567,000
Policyholders’ Surplus $1,111,111,000
Net Premiums Written $789,012,000
Net Income $123,456,000
Combined Ratio 98.4%

 

What are the Services & products of LM General Insurance Company?

Liberty Mutual Fire Insurance Company, a subsidiary of the Liberty Mutual Group, specializes in auto insurance, offering a variety of coverage options including:

  1. liability
  2. collision
  3. comprehensive
  4. uninsured/underinsured motorist
  5. personal injury protection.

They provide cost-saving opportunities through discounts such as:

  1. multi-policy
  2. safe driver
  3. home safety features
  4. business safety features discounts.

Renowned for its affordable yet quality coverage, Liberty Mutual Fire Insurance Company maintains a strong reputation supported by positive customer reviews and an A- rating from A.M. Best.

How to become a member of LM General Insurance Company?

To join LM General Insurance Company, you’ll need to purchase a car insurance policy through Liberty Mutual, its parent company.

You can request a personalized quote via Liberty Mutual’s website or contact an agent at 800-290-8102.

Additionally, you can access your policy, make payments, and file claims by logging into your online account.

Liberty Mutual provides a range of coverage options and discounts to match your specific requirements and budget.

Available coverages include collision, comprehensive, medical payments, uninsured motorist, personal injury protection, bodily injury liability, property damage liability, and more.

You can also take advantage of Liberty Mutual’s lifetime repair guarantee, new car replacement insurance, better car replacement insurance, and rental car reimbursement.

By becoming a member of LM General Insurance Company, you gain access to the protection and service of one of the nation’s largest insurance providers.

The table shows the Ratings of LM General Insurance Company

Liberty Mutual Fire Insurance Company has received some financial ratings from different rating agencies. Here is a table that summarizes the ratings:

Rating Agency Rating Description
A.M. Best A- Excellent
Moody’s Investors Service A2 Upper-medium grade
Standard & Poor’s A Strong

 

How to File Claims with LM General Insurance Company?

If you want to file a claim with Liberty Mutual Fire Insurance Company, you can do so online using the Liberty Mutual website or mobile app.

LM General is a subsidiary of Liberty Mutual, and they share the same online platform for claims processing.

Here are the steps to file a claim online:

  • Log in to your Liberty Mutual account with your username and password. If you don’t have an account, you can create one using your policy number and email address.
  • Click on “File a claim” and select the type of claim you want to file, such as auto, property, or liability.
  • Provide the approximate date and time of the incident, the location, and a brief description of what happened. You can also upload photos or documents to support your claim.
  • Review your claim details and submit it. You will receive a confirmation email with your claim number and the contact information of your claims representative.
  • You can track the status of your claim online by logging in to your account and clicking on “Track a claim”. You can also contact your claims representative by phone or email if you have any questions or concerns.

Customer Reviews about LM General Insurance Company

LM General Insurance Company has received mostly positive customer reviews for its products and services.

Some of the common themes that customers have praised are:

However, some customers have also reported some issues with the company, such as:

  • Problems with the claims process and delays in payment
  • Difficulty in canceling or changing policies
  • Lack of communication and transparency
  • High deductibles and premiums

Overall, Liberty Mutual Fire Insurance Company seems to have a good reputation for providing quality insurance solutions, as seen through its A- rating from A.M. Best and its A+ rating from the Better Business Bureau.

However, customers should also be aware of the potential drawbacks and compare different options before choosing a policy.

https://www.youtube.com/watch?v=ikeodeTbdtA&pp=ygUcTE0gR2VuZXJhbCBJbnN1cmFuY2UgQ29tcGFueQ%3D%3D

Conclusion

To join Liberty Mutual Fire Insurance Company, you’ll need to purchase a car insurance policy through Liberty Mutual, its parent company.

You can request a personalized quote via Liberty Mutual’s website or contact an agent at 800-290-8102.

Additionally, you can access your policy, make payments, and file claims by logging into your online account.

Liberty Mutual provides a range of coverage options and discounts to match your specific requirements and budget.

Available coverages include collision, comprehensive, medical payments, uninsured motorist, personal injury protection, bodily injury liability, property damage liability, and more.

You can also take advantage of Liberty Mutual’s lifetime repair guarantee, new car replacement insurance, better car replacement insurance, and rental car reimbursement.

By becoming a member of Liberty Mutual Fire Insurance Company, you gain access to the protection and service of one of the nation’s largest insurance providers.

Table of facts about LM General Insurance Company

Fact Description
Name LM General Insurance Company
Former name Prudential General Insurance Company
Incorporation date 1978
Incorporation state Delaware
Parent company Liberty Mutual Insurance
Business line Property and casualty insurance
Products Aircraft insurance, automobile insurance, credit insurance, marine insurance, and many more
Headquarters Boston, Massachusetts
Phone number 617-357-9500
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