UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF MASSACHUSETTS
If you had automobile insurance from Liberty Mutual Personal Insurance Company and received fewer than 30 days of
rental‑vehicle coverage after your vehicle was totaled, a class action lawsuit may affect your rights.
A Court authorized this Notice. This is not a solicitation from a lawyer. You are not being sued.
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A class action lawsuit has been filed against Liberty Mutual Personal Insurance Company (“Liberty Mutual”). Plaintiffs allege that Liberty Mutual
used a uniform practice that resulted in the systematic underpayment of rental‑vehicle benefits after an insured vehicle suffered a
total loss by limiting rental coverage to fewer than 30 days without determining how much time a policyholder reasonably required to
replace the totaled vehicle. Plaintiffs contend that the insurance policies required this type of assessment. Liberty Mutual
denies these allegations and maintains that its practices complied with its insurance policies.
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You are receiving this Notice because Liberty Mutual’s records indicate that you likely fall within the Court‑certified Class and/or Subclasses.
Records show that you were or are a Liberty Mutual insured, you made a rental‑benefit claim following a total loss,
and you received fewer than 30 days of rental‑vehicle coverage.
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The Court has certified this case to proceed as a class action. You can review the Court’s rulings here.
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The Court has not yet decided whether Liberty Mutual did anything wrong. At this time, there is no money available for Class Members.
A trial will determine whether the Class’s claims or Liberty Mutual’s defenses are correct. The Court has set a trial‑ready date of
October 2026, or as soon thereafter as the Court’s schedule permits. You do not need to attend the trial, and you do not need
to do anything now to remain in the Class. However, your legal rights are affected, and you must decide whether to stay in the
Class—preserving your opportunity to benefit if Plaintiffs prove their claims—or to exclude yourself by the deadline below.
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Your Legal Rights and Options in this Lawsuit
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Option
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Your Legal Rights and What It Means
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Do Nothing
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Stay in the lawsuit and remain eligible to receive money or benefits if the Plaintiffs succeed.
By doing nothing, you keep your place in the Class and preserve your opportunity to share in any recovery
that may result from a trial or a settlement. You will continue to be represented by Class Counsel at
no cost to you, and you do not have to take any action now. However, you will also give up the right to
bring your own separate lawsuit against Liberty Mutual about the same legal claims in this case.
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Ask to be Excluded
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Remove yourself from the lawsuit and give up the chance to receive any benefits from it.
If you choose to be excluded (“opt out”), you will not share in any money or benefits obtained for the Class,
but you will keep the right to sue Liberty Mutual separately about the issues in this lawsuit. To ask to be
excluded, you must mail or email a request for exclusion postmarked by August 16, 2026.
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PLEASE DO NOT CONTACT THE COURT, LIBERTY MUTUAL OR ANY LIBERTY MUTUAL AGENT ABOUT THIS LAWSUIT.