Rental car insurance coverage protects you while your vehicle is being repaired. Liability insurance for rental vehicles does not protect you or your rental car against collision damage, car theft, loss of personal effects, or injuries.
Liberty Mutualliability insurance typically extends to your rental vehicle while driving in the U.S. UU.
However, the minimum state-mandated insurance offered by these vehicles may not be enough to protect you from the financial repercussions of an accident. 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. As a member of Lancaster Red Rose Credit Union, you can save hundreds of dollars a year on auto and home insurance with Liberty Mutual. If you don't have either type of coverage, you can take out personal accident insurance through the car rental company.
Yes, Liberty Mutual insurance rates are competitive for certain drivers, including teens and college students. However, your Liberty Mutual comprehensive and collision coverage limits may not be high enough if you rent a car worth much higher than your personal vehicle and the car is completely liquidated. Liberty Mutual car insurance rates are based on your driving record and experience, along with factors such as the type of car you drive, your zip code, your insurance history, and more. Some credit cards, including many travel rewards cards, offer car rental insurance if you use the card to pay.
Liberty Mutual also offers rental vehicle reimbursement coverage, which helps pay the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you only have liability insurance with Liberty Mutual, physical damage to the rental vehicle will not be covered. 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. Liberty Mutual will work with you to create a personalized insurance option that fits your wallet and your lifestyle.
Car rental companies also offer other types of coverage, such as loss and damage exemptions, roadside assistance, and personal accident insurance.