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. Two claims in one year can significantly increase your insurance rates, so you may want to exercise caution and purchase insurance. However, the minimum state-mandated insurance offered by these cars may not be sufficient to protect you from the financial repercussions of an accident.
If you have an exclusive liability policy and rent a vehicle, Liberty Mutual only covers the damage you cause to other people and property. Liberty Mutual doesn't cover non-standard rental vehicles, including recreational vehicles, moving trucks, and motorcycles. 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 Mutual liability insurance typically extends to your rental while driving in the U.S.
UU. If you rent a regular car, SUV, or truck, your Liberty Mutual policy should be expanded to cover that vehicle. Liberty Mutual will cover the cost of renting a car if you have rental reimbursement coverage, assuming that your personal vehicle was involved in a covered loss. 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.
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. If you rent cars frequently, it might be more efficient to purchase liability insurance for rental vehicles from another source. Even when you have a good level of coverage, it's sometimes better to buy additional rental car insurance. If you have an accident while driving your rental car, call Liberty Mutual to start the claim.
However, this can quickly get expensive, especially since liability insurance for the rental car is sold separately from other coverages. Car rental companies also offer other types of coverage, such as loss and damage exemptions, roadside assistance, and personal accident insurance.