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. If you didn't do any homework before renting the car, you can opt for collision damage exemption (CDW) at the counter to be safe or, better yet, save money by taking out affordable insurance from a third-party provider before leaving the rented car park. If you don't have either type of coverage, you can take out personal accident insurance through the car rental company.
Two claims in one year can significantly increase your insurance rates, so you may want to exercise caution and purchase insurance. 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. Some credit cards, including many travel rewards cards, offer car rental insurance if you use the card to pay. 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 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. If you only have liability insurance with Liberty Mutual, physical damage to the rental vehicle will not be covered. However, you may already have rental car insurance through your current insurance coverage or credit card. 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.
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. 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. Remember that your Liberty Mutual car insurance will only cover up to the limit of your own vehicle's policy. Liberty Mutual liability insurance typically extends to your rental while driving in the U.S.
UU. Yes, Liberty Mutual insurance rates are competitive for certain drivers, including teens and college students. If you rent cars frequently, it might be more efficient to purchase liability insurance for rental vehicles from another source.