Yeah I have Liberty mutual also, on my last totaled car which was a grand am (it happened a year and a week ago from this accident) I had another insurance company and the driver at fault had Liberty. I argued with my insurance company for months, literally months, and they only offered me $7,100. That was after talking with three managers (I got them from $6,700 to $7,100) and several months later I found out I can also have the at fault drivers insurance give me an aprasal (which was liberty). I had them do that and they gave me an out flat offer of $7,700. I took it and switched to them!