Rental car insurance coverage protects you while your vehicle is being repaired. If you already have a personal car policy with Liberty Mutual that includes liability, comprehensive and collision coverage, this insurance will likely be extended to cover your rental car. If you only have liability insurance with Liberty Mutual, physical damage to the rental vehicle will not be covered. Does Liberty Mutual car insurance cover rental cars? Before you pick up a rental car, it's always a good idea to find out if you need additional rental coverage to avoid overpaying.
If you have car insurance from Liberty Mutual, it's also covered for rental vehicles. The caveat is that the coverage extends to the same limits as your personal auto policy. Rental reimbursement coverage is optional coverage from the car insurance company that pays the cost of renting a car while the vehicle is in the repair shop for a covered loss. If your personal car is insured and you pay your rent with a credit card, you can probably skip the optional coverage offered at the rental counter.
If the other driver was responsible for the damage, your insurance may be responsible for renting a car to you while the vehicle is being repaired. Your Liberty Mutual car insurance should cover your rental as long as the vehicle is worth similar to what it already has. Some credit cards, including many travel rewards cards, offer car rental insurance if you use the card to pay. Car insurance from a third party may not pay 100% of the cost of the rental and is usually time-limited, so you can still incur some out-of-pocket expenses.
So, if you have an older car that has accumulated a ton of miles, you may not have enough coverage to rent a full-size or luxury car. If you don't have enough coverage through Liberty Mutual to cover your rental vehicle, you can take out insurance with your car rental company or see if your credit card company offers it. Therefore, in some circumstances, it may be best to rent a car right away on your own and have it reimbursed by the other insurer. Liability insurance for rental vehicles does not protect you or your rental car against collision damage, car theft, loss of personal effects, or injuries.
If you have collision and comprehensive insurance with Liberty Mutual, it will normally cover any damage that occurs to the rental vehicle itself during the rental period. However, you may already have rental car insurance through your current insurance coverage or credit card. If you were to have an accident in a rental car, you would pay the deductible on your car insurance policy before the rental car insurance takes effect and covers the rest.