LM General Auto Insurance Review (2024)

LM General operates as an auto insurance policy underwriter for Liberty Mutual. It was founded in 1978. AM Best gave it an A rating for its financial stability.

UPDATED: Dec 19, 2023Fact Checked

Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.

Licensed Insurance Agent

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Dec 19, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Dec 19, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 19, 2023Fact Checked
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LM General Insurance Company

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A

Complaint level:

Low

Final Verdict: Review of 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.

LM General does not maintain its own website or conduct business under its own brand name. Therefore, all the information obtained for this review comes directly from Liberty Mutual Group.

Furthermore, it is unclear whether or not LM General is licensed to do business in every state. If not, Liberty Mutual has other car insurance companies within this group that could provide identical coverage.

You can compare auto insurance quotes from America’s top carriers by entering your ZIP code now!

[su_box title="Things to Remember..." style="default”]
  • LM General Insurance Company was incorporated in the state of Delaware in 1978 under the name Prudential General Insurance Company
  • Liberty Mutual offers a long list of personal and business insurance products
  • Liberty Mutual website has a tool called the "Auto Coverage Calculator" that allows customers can enter a variety of information that enables them to see the costs for various types of coverage
[/su_box] 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. LM General does not maintain its own website or conduct business under its own brand name. Therefore, all the information obtained for this review comes directly from Liberty Mutual Group. Furthermore, it is unclear whether or not LM General is licensed to do business in every state. If not, Liberty Mutual has other car insurance companies within this group that could provide identical coverage.

What You Should Know About LM General

Although Liberty Mutual offers a long list of personal and business insurance products, LM General focuses solely on auto insurance.

Its policies range from the most basic that cover state liability minimums, all the way up to comprehensive policies that offer full car replacement.

One nice feature found on the Liberty Mutual website is a tool called the “Auto Coverage Calculator”. With this tool, customers can enter a variety of information that enables them to see the costs for various types of coverage.

This tool is very helpful in deciding exactly the type of policy you need and how much money you’re willing to spend.

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LM General Insurance Rates Breakdown

LM General and Liberty Mutual offer three ways for consumers to get auto insurance quotes. The first method is to visit the Liberty Mutual website and utilize its online quote tool.

By entering your zip code, the tool is able to work only with the insurance products available in your state.

The tool will then ask you for more detailed information and, in just a few minutes, return a fairly accurate quote to you. Just remember that this quote is only an estimate.

The second option is to call a toll-free quote number it provides on its website. This number puts you in touch with a representative at one of its regional offices who can guide you through the whole process.

That representative will ask you for the same information you would provide online, along with more detailed information that will help produce a more accurate quote.

If the information you provide is not accurate, it could be reflected in an adjusted actual cost.

The final option in obtaining a quote is to locate a local independent agent representing Liberty Mutual or LM General.

Thankfully, Liberty Mutual makes it easy to find a local agent through a similar search tool.

As with the quote tool, you simply enter your zip code and press the submit button. The search tool will return results at a designated distance from your location.

As a test, we entered the zip code of a typical mid-sized American city and were presented with four local agents within 50 miles.

Is It Easy To File LM General Insurance Claims?

LM General customers have three options in after having an accident.

This is the preferred method, as it puts you directly in contact with a claims specialist who can expedite service. If you are unable to reach a claims center, the second option is to contact your local independent agent.

While your agent cannot facilitate the entire process from start to finish, he or she can take the necessary information to get things going.

Policyholders who prefer online communications do have access to an online claims platform on the Liberty Mutual website. Through this platform, policyholders can file claims and track their progress.

Customers who choose to use this method will still be contacted by a representative in order to verify the information and provide further instructions.

For tech-minded policyholders, LM General and Liberty Mutual now offer a smart phone app that's very helpful in filing a claim.

The app allows you to map your location, take pictures of the accident scene, share your insurance information with other parties involved, and initiate voice recordings that might be helpful in remembering details.

The app even prompts you for extra information you might need to collect based on your circumstances. When all is said and done, that information is made available to the Liberty Mutual claims center, and the app automatically connects you to a claims specialist.

Frequently Asked Questions

What is LM General Auto Insurance?

LM General Auto Insurance is an insurance company that provides coverage for automobiles. They offer various types of auto insurance policies to protect against financial losses due to accidents, theft, damage, and liability.

What types of auto insurance policies does LM General offer?

LM General Auto Insurance offers a range of policies, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection, and medical payments coverage.

What is liability coverage?

Liability coverage is a type of auto insurance that helps pay for the costs associated with property damage and bodily injury you may cause to others in an accident. It typically includes both bodily injury liability and property damage liability coverage.

What is collision coverage?

Collision coverage is a type of auto insurance that helps pay for the repairs or replacement of your vehicle if it is damaged in a collision with another vehicle or object, regardless of fault.

What is comprehensive coverage?

Comprehensive coverage is a type of auto insurance that helps pay for the repairs or replacement of your vehicle if it is damaged by something other than a collision, such as theft, vandalism, fire, or natural disasters.

What is uninsured/underinsured motorist coverage?

Uninsured/underinsured motorist coverage is a type of auto insurance that provides protection if you are involved in an accident with a driver who does not have insurance or does not have sufficient insurance to cover your losses.

What is personal injury protection (PIP)?

Personal injury protection, also known as PIP, is a type of auto insurance that helps cover medical expenses, lost wages, and other related costs for you and your passengers if you are injured in an accident, regardless of fault.

What is medical payments coverage?

Medical payments coverage is a type of auto insurance that helps pay for medical expenses incurred by you and your passengers as a result of injuries sustained in an accident, regardless of fault.

How can I get a quote for LM General Auto Insurance?

To get a quote for LM General Auto Insurance, you can visit their website or contact their customer service directly. They will ask you for relevant information such as your personal details, vehicle information, driving history, and coverage preferences to provide an accurate quote.

What factors can affect the cost of my auto insurance premium?

Several factors can influence the cost of your auto insurance premium, including your age, driving record, type of vehicle, location, credit history, coverage options, and deductible amount. Insurance companies consider these factors to assess the risk associated with insuring you and determining your premium.

Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.

Licensed Insurance Agent

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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