Getting Your Car Fixed With Liberty Mutual in the Bay Area

If you’ve been in a collision and you have Liberty Mutual auto insurance, you might be wondering — do you have to use one of their approved shops? The short answer: no. In California, you have the legal right to choose any licensed auto body shop you trust, regardless of what your insurer recommends.

Here’s what you need to know before you file.

What Does Liberty Mutual Collision Coverage Include?

Liberty Mutual auto insurance typically covers:

• Collision damage — repairs from accidents with other vehicles or objects
• Comprehensive — theft, weather, vandalism, fire
• Rental car reimbursement — while your vehicle is being repaired (if you have this add-on)
• OEM vs. aftermarket parts — California law requires disclosure if non-OEM parts are used; you can request OEM parts for newer vehicles

Always review your declarations page or call Liberty Mutual directly to confirm your specific coverage.

California Law: You Choose Your Shop

Under California Insurance Code Section 758.5, your insurance company cannot force you to use a specific repair shop. They can recommend their preferred network (called a “direct repair program” or DRP), but the choice is yours.

What this means for you:

• You can bring your car to any licensed auto body shop in California
• Liberty Mutual must work with the shop you choose
• The shop cannot be penalized for not being in Liberty Mutual’s network

If an adjuster implies you must use a certain shop, that’s not accurate — and you have the right to push back.

How to File a Liberty Mutual Collision Claim in the Bay Area

• Report the accident — Call Liberty Mutual at 1-800-290-8711 or file online at libertymutual.com
• Get a claim number — You’ll need this to share with your repair shop
• Choose your shop — Bring it to EV Central or any licensed Bay Area shop you trust
• Inspection & estimate — Liberty Mutual may send an adjuster or use photos/virtual estimate
• Repairs begin — Once the estimate is approved, your shop gets to work
• Pay your deductible — Paid directly to the shop at pickup
• Pick up your vehicle — All other costs are settled between the shop and Liberty Mutual

We Work With Liberty Mutual — and All Major Carriers

At EV Central, we handle insurance claims every day for customers across the Bay Area. Whether you drive a Tesla, a Honda, a Ford F-150, or a Prius — gas, hybrid, or electric — we work with Liberty Mutual and all major insurers to get your vehicle repaired right.

Cities we serve: San Francisco, Oakland, Berkeley, San Jose, Fremont, Palo Alto, Daly City, South San Francisco, Hayward, Redwood City, Mountain View, Sunnyvale, Santa Clara, San Mateo, and the greater SF Bay Area.

Ready to Get Started?

📍 718 Bryant St, San Francisco, CA
📞 (415) 881-1845
🌐 evcentralservice.com

Call us or stop by — we’ll walk you through the process and work directly with Liberty Mutual so you don’t have to stress.