LIBERTY MUTUAL-- I have had them for 28 years and have had two truck claims and 1 boat claim. The ONLY problem I had was that they didn't want to total the truck that my wife had run head on into another car. Front drivers wheel was under the drivers seat. Frame was bent and the transfer case was leaking. Told me to have it looked at. I said so I have it looked at and nothing is wrong and 6 months later it takes a dump. They said to have someone GOOD look at it. (I rephrased my question.) So lets say I am sittting on a boat ramp putting the plug in my boat and the transfer case takes a dump. The boat and truck run over me on the way to the lake. And WHO insures all those items? She said I see your point and totaled the truck. All we did is go out and buy a brand new one.