Does your Liberty Mutual car insurance cover rental vehicles? It must cover your rental car up to the same limit as your regular vehicle. 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. 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.
If you only have liability insurance with Liberty Mutual, physical damage to the rental vehicle will not be covered. Car rental companies also offer other types of coverage, such as loss and damage exemptions, roadside assistance, and personal accident insurance. Even when you have a good level of coverage, it's sometimes better to buy additional rental car insurance. It may give you peace of mind to shell out car rental insurance and know that you won't pay more than that amount.
Remember that your Liberty Mutual car insurance will only cover up to the limit of your own vehicle's policy. Your Liberty Mutual car insurance should cover your rental as long as the vehicle is worth similar to what it already has. Liberty Mutual liability insurance typically extends to renting while driving in the U.S. UU.
However, this can quickly get expensive, especially since rental car liability insurance is sold separately from other coverages. 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. Liability insurance for rental vehicles does not protect you or your rental car against collision damage, car theft, loss of personal effects, or injuries. 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 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. You can talk to a Liberty Mutual customer service representative at 1 (800) 290-8711 to see if your personal policy extends to your rental car. However, you may already have rental car insurance through your current insurance coverage or credit card.