Rental car insurance coverage protects you while your vehicle is being repaired. If you have a covered accident, we'll pay the cost of renting a car. Does Liberty Mutual car insurance cover rental cars? Before you pick up a rental car, it's always a good idea to find out if you need additional rental coverage to avoid overpaying. If you have car insurance from Liberty Mutual, it's also covered for rental vehicles.
The caveat is that the coverage extends to the same limits as your personal auto policy. Liberty Mutual doesn't cover non-standard rental vehicles, including recreational vehicles, moving trucks, and motorcycles. You may need to add coverage to your policy or buy coverage from the rental company to stay insured. If you rent a regular car, SUV, or van, your Liberty Mutual policy should be expanded to cover that vehicle.
It may give you peace of mind to shell out car rental insurance and know that you won't pay more than that amount. Keep reading to find out everything you need to know about Liberty Mutual car rental insurance and how it works. If you have minimum liability insurance for your personal vehicle, for example, you only have minimum liability insurance for your rental 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.
Your Liberty Mutual car insurance should cover your rental as long as the vehicle is worth similar to what it already has. If you rent a car and have Liberty Mutual insurance, then your policy applies to your rental car. 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. 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.
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. If you have an accident while driving your rental car, call Liberty Mutual to start the claim. Two claims in one year can significantly increase your insurance rates, so you may want to exercise caution and purchase insurance.
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.