If you have a covered accident, you can rely on a rental car reimbursement to pay the cost of renting a car. If you decide to have your car serviced at a repair center authorized directly by Liberty Mutual and allow us to arrange the rental of the car, we will pay the rental expenses for as long as necessary to repair your 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. I have been a Liberty Mutual customer for 6 years and was disappointed to learn that they wouldn't renew my policy due to a speeding ticket imposed on my spouse and a minor scratch that I was responsible for a year ago. However, you may already have rental car insurance through your current insurance coverage or credit card. 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.
Yes, Liberty Mutual is a strong auto insurance company with relatively cheap rates and coverage that you can customize to your needs. Two claims in one year can significantly increase your insurance rates, so you may want to exercise caution and purchase insurance. You can get a quote by filling out a quick form on the Liberty Mutual website, and from there, you can customize your insurance package to get the coverage you need. Even when you have a good level of coverage, it's sometimes better to buy additional rental car insurance.
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 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. Liability insurance for rental vehicles is coverage that pays for injuries or property damage that you cause in an accident when you drive a rental car. 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.
I'd rather stick with my current car insurance and have peace of mind than with this unprofessional customer service from Liberty Mutual. Both use Certified Collateral Corporation (CCC), which has resolved multiple class action lawsuits and has paid millions of dollars in settlements, and has stated that its business model consists of devaluing cars for the benefit of insurance companies. 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. If you rent cars frequently, it might be more efficient to purchase liability insurance for rental vehicles from another source.
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.