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. 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. 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 rent a regular car, SUV, or van, your Liberty Mutual policy should be expanded to cover that vehicle. 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.
Car rental companies also offer other types of coverage, such as loss and damage exemptions, roadside assistance, and personal accident 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 have an accident while driving your rental car, call Liberty Mutual to start the claim. 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.
If you rent cars frequently, it might be more efficient to purchase liability insurance for rental vehicles from another source. Some credit cards, including many travel rewards cards, offer car rental insurance if you use the card to pay. 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. 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.
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. However, this can quickly get expensive, especially since liability insurance for the rental car is sold separately from other coverages. If you have minimum liability insurance for your personal vehicle, for example, you only have minimum liability insurance for your rental vehicle.