Liberty Mutual Group Inc. and any affiliates, subsidiaries and parent companies (collectively “Liberty Mutual”), offers a program called Accident Assistance that utilizes driving data to provide real time accident assistance. Your participation in Accident Assistance and use of our mobile application(s) (the “App”) which is required to enable the collection of data as part of Accident Assistance is expressly conditioned on your acceptance of these Terms and Conditions. Participation in Accident Assistance is voluntary and is not required to obtain an insurance policy. If you do not agree with these Terms and Conditions, then you should not participate in Accident Assistance.
If you participate in Accident Assistance, Liberty Mutual will collect certain data while you are enrolled in the program. These Terms and Conditions govern your enrollment in Accident Assistance and your use of the App required to enable the collection of data as part of Accident Assistance. Liberty Mutual may share certain data about you and your participation in the Program with other companies (collectively “Service Providers”) or as permitted by law.
By participating in Accident Assistance, you are expressly permitting Liberty Mutual to collect, process, use, and disclose personal information gathered from your participation in Accident Assistance through the App.
Accident Assistance
The App may come equipped with our built-in Accident Assistance. Where permitted by state insurance and other laws, we may automatically turn on this feature for you. If so, the App will inform you that Accident Assistance is turned on. You can turn off the Accident Assistance feature in the settings within the App. If Accident Assistance is not automatically turned on, you may be able to enroll in Accident Assistance via the App. Accident Assistance is only intended to work when the user is located in the continental United States, plus Alaska and Hawaii at the time a motor vehicle collision (“Event”) is detected. While an Event may be detected elsewhere, we are unable to offer assistance or dispatch emergency services outside the continental United States, plus Alaska and Hawaii.
When Accident Assistance is on, the App may detect if you are involved in an Event using the sensors in your mobile phone. If an Event is detected, the App will initiate automated call(s) and/or texts to the registered mobile device or send push notifications or in-app message(s) through the App, asking for your response to confirm the Event and determine whether you require a post Event service. If you affirmatively confirm the Event and request a post Event service, Liberty Mutual will work to initiate the dispatch of these services on your behalf to your device location and may automatically open a claim under your policy.
Liberty Mutual may also open a claim under your policy if injuries are reported or identified because of the Event. If you do not respond to Liberty Mutual's attempts to reach you to confirm the Event, we may, without your confirmation, initiate emergency assistance to your device location. If we determine you are not in need of emergency assistance, including if we detect you are driving the vehicle again within a pre-determined time period after the detected Event, we may discontinue any further outreach related to this Event.
The dispatching of post Event services by you or us shall not be deemed a determination of coverage under your policy or guarantee payment for any filed claim.
Additionally, you expressly acknowledge that you, not Liberty Mutual or its vendors, licensors, and/or third-party service providers, are the contracting authority for any dispatched post Event services through the use of Accident Assistance. Therefore, you are solely liable for all costs, expenses and damages that arise from any post Event services received in connection with an Event and your use of Accident Assistance to the extent such costs, expenses and damages are not covered under your policy.
Accident Assistance Eligibility
Your eligibility to participate in Accident Assistance is contingent on you being a named insured or a listed driver on an in-force, Accident Assistance-eligible policy with Liberty Mutual, owning a compatible smartphone, providing your valid email address and/or other contact information approved by Liberty Mutual, and accepting these Terms and Conditions. Liberty Mutual system(s) restrictions and/or limitations may also apply and affect eligibility. You also agree that Liberty Mutual may contact you with program-related information using your contact information provided.
Accident Assistance Participation
To participate in Accident Assistance, you are required to properly download the App, complete the registration process, and keep the required permissions enabled while driving. Data collection will begin on the date you download and register the App.
We may remove you from Accident Assistance if you cease data transmission. We reserve the right to bar you from future participation in Accident Assistance if we uncover evidence of tampering or disablement of the App.
In the event you are removed from Accident Assistance, you can request to be re-enrolled in the program. Upon re-enrollment, you must satisfy the Accident Assistance Eligibility and Participation requirements outlined above.
If you would like to cease participating in Accident Assistance, you may do so at any time by navigating to the mobile app settings, selecting Accident Assistance, then opting out of the program.
You agree that any change in enrollment or participation in Accident Assistance will not retroactively apply to any data that was collected and/or transmitted prior to the effective date of any change in enrollment or participation.
Minor Participation in Accident Assistance
If a listed driver on your policy is a minor, the minor may participate in Accident Assistance, if you are the parent or legal guardian of the minor. To enroll a minor in Accident Assistance, you must invite the minor to participate in Accident Assistance, you must consent to the minor's participation in Accident Assistance, which includes in the event of a detected accident permitting Liberty Mutual to contact the mobile phone number associated with the minor’s Accident Assistance enrollment, dispatching emergency and/or towing services as requested, and initiating a claim on the policy. Children under the age of 14 are not permitted to participate in Accident Assistance.
You may remove your consent for the minor driver's participation in Accident Assistance by navigating to the minor's mobile app settings, selecting Accident Assistance, then opting out of the program.
Privacy
Liberty Mutual may use personal information collected through the App to provide, administer, support, and improve Accident Assistance and related services; service your insurance policy; support accident detection and claims-related services; investigate, evaluate, and adjust claims; conduct research, analytics, testing, and product development; and develop or improve products, services, features, and benefits that may be offered to you or other customers (“Purpose”).
Liberty Mutual does not sell personal information collected through your participation in Accident Assistance. Liberty Mutual may disclose your personal information to its affiliates, service providers, and other third parties that perform services for or on behalf of Liberty Mutual for the Purposes described above. Liberty Mutual may also disclose personal information as permitted or required by law, including in response to subpoenas, court orders, law enforcement requests, regulatory inquiries, or other legally authorized requests.
Liberty Mutual may collect and use your personal information while the App is installed or in use and may retain your personal information in accordance with our legal obligations, our records retention policies, or as otherwise permitted by law. We will delete your data once the legal obligation expires or after the period of time specified in our records retention policies. The period of retention is subject to our review and alteration. For more information about how Liberty Mutual processes your personal information, please review our privacy policy Liberty Mutual Personal Lines | LMG https://www.libertymutual.com/telematics-data.
We may make improvements and/or changes in the products, services and/or programs described on our website or in the App at any time without notice.