Luiz received a square pass from Eden Hazard, took a touch and unleashed a swerving 35-meter shot that flew into the far top corner in the 30th minute at Craven Cottage.
Thirteen minutes later, it was 2-0. Juan Mata sent a cross to the far post for Terry to rise above the defense and find the net with a towering header. Terry made sure of the result in the 71st, helping in Torres' header from Mata's corner.
Chelsea returned to the last direct Champions League qualification spot, moving a point ahead of fourth-place Arsenal having played a game less.