Yes, Liberty Mutual offers car rental insurance. 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. Your Liberty Mutual car insurance should cover your rental as long as the vehicle is worth similar to what it already has. But if you have a 230,000-mile Chevy Spark and rent a luxury SUV, you may be underinsured.
Liberty Mutual, like most insurers, extends your personal policy to cover any vehicle you rent. Two claims in one year can significantly increase your insurance rates, so you may want to exercise caution and purchase insurance. When you rent a car, you get the same rental car insurance coverage that you have for your personal vehicle, including the same coverages and limits. 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 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. Even when you have a good level of coverage, it's sometimes better to buy additional rental car insurance. If you have an exclusive liability policy and rent a vehicle, Liberty Mutual only covers the damage you cause to other people and property. If you have minimum liability insurance for your personal vehicle, for example, you only have minimum liability insurance for your rental vehicle.
If you rent a car and have Liberty Mutual insurance, then your policy applies to your rental car. If you rent a regular car, SUV, or van, your Liberty Mutual policy should be expanded to cover that vehicle. Remember that your Liberty Mutual car insurance will only cover up to the limit of your own vehicle's policy. 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.
Keep reading to find out everything you need to know about Liberty Mutual car rental insurance and how it works. It may give you peace of mind to shell out car rental insurance and know that you won't pay more than that amount. If you rent a car in Mexico, you can buy additional coverage from the Mexican car rental company or add coverage from Mexico to your Liberty Mutual policy.