I have had Liberty Mutual Insurance for two years now and I have to say they are what they advertise. I think that a lot of people misunderstand claims processes. In the end I think most people feel cheated by insurance companies in general and they take it out on whichever one they have had the most recent experience with. Who likes to pay hundreds of dollars year after year and never see anything back from it? Most people feel cheated, you have to have it but you barely ever need to use it. Well I used to feel that way too, until I began to understand why it is there. Insurance is only intended to save you from catastrophic losses, not minor inconveniences. People get upset because they pay for years, then their tire blows out and does a couple hundred dollars and damage that is barely above their deductible and they get upset that they barely got any money to fix their car. Well insurance isn't meant to handle these types of problems. Now on the other hand if you were driving along, changing a CD in your car, then you accidentally hit a pedestrian and hurt them badly. You will be pretty happy when your insurance company steps in and pays for an attorney to defend you in court then pays all of the medical bills for you so that the court does not have to put a lien on your house or garnish your wages. Your life could be ruined in the blink of an eye and your insurance company is the only one that is there to prevent that. This is why it exists, you are not supposed to get your money back in all instances, you're simply left to breathe easy knowing that if something really bad happens, your insurance company will stand by you.