Getting into a car accident can be a stressful experience, especially when it involves your beloved Volkswagen. Recently, I had a significant collision in my 2005 VW Phaeton, and I wanted to share my positive experience with My Vw Insurance through Liberty Mutual. This experience solidified my confidence in their service and coverage.
A Cracked Windshield and a Major Collision
My first claim with Liberty Mutual was for a cracked windshield about a year and a half prior to the accident. They approved the replacement without issue, even though I chose to use my dealer’s body shop instead of their preferred vendor, Safelight Auto Glass. I only had to pay a small deductible of $100.
The more significant incident occurred when a GMC Sierra truck hit my Phaeton on the passenger side. The impact caused significant damage to the truck and left my VW with a cracked fender, a flat tire, and concerning noises. The wheel was also visibly bent out of alignment. Fearing the worst, I had it towed to my dealership’s body shop.
Exceptional Claims Process and Coverage
Given the age of my car (nine years old at the time) and its mileage (132,000 miles), I was worried that my VW insurance company would declare it a total loss. However, Liberty Mutual reassured me throughout the process. The adjuster was proactive, contacting me immediately after the accident. I emphasized the rarity of the Phaeton, and he assured me they would thoroughly assess the damage.
The adjuster visited the body shop multiple times to evaluate the damage, first providing an initial estimate and then a supplemental check after the car was disassembled. He kept me informed throughout the process, providing updates and answering my questions. The total repair cost was a staggering $9,696.86, but I only had to pay my $500 deductible.
Peace of Mind with My VW Insurance
Liberty Mutual’s handling of both my cracked windshield and the major collision damage has been exemplary. Their communication, efficiency, and willingness to cover the extensive repairs on my older VW have given me peace of mind. This experience reinforced the value of having comprehensive my VW insurance coverage. While my insurance is up for renewal soon, I’m confident in continuing my coverage with Liberty Mutual. This accident, my first in 32 years, highlighted the importance of reliable car insurance. Hopefully, my next accident is decades away, but knowing I have good coverage through Liberty Mutual alleviates any future concerns.
