But if you have a 230,000-mile Chevy Spark and rent a luxury SUV, you may be underinsured. 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.
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 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. Remember that your Liberty Mutual car insurance will only cover up to the limit of your own vehicle's policy. If you rent cars frequently, it might be more efficient to purchase liability insurance for rental vehicles from another source.
If you have minimum liability insurance for your personal vehicle, for example, you only have minimum liability insurance for your rental vehicle. However, this can quickly get expensive, especially since liability insurance for the rental car is sold separately from other coverages. 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. 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.
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 don't have either type of coverage, you can take out personal accident insurance through the car rental company. Car rental companies also offer other types of coverage, such as loss and damage exemptions, roadside assistance, and personal accident insurance. Keep reading to find out everything you need to know about Liberty Mutual car rental insurance and how it works.
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.