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. 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 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. However, the minimum state-mandated insurance offered by these cars may not be sufficient to protect you from the financial repercussions of an accident. 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.
Remember that your Liberty Mutual car insurance will only cover up to the limit of your own vehicle's policy. 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. 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.
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. 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. Some credit cards, including many travel rewards cards, offer car rental insurance if you use the card to pay. If you don't have either type of coverage, you can take out personal accident insurance through the car rental company.
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.