Rental car insurance coverage protects you while your vehicle is being repaired. If the other driver is at fault and your car is not a total loss and is considered repairable, Liberty Mutual must pay the costs of repairing the damage to the vehicle. If you need a rental vehicle while your car is in the workshop or is being replaced, Liberty Mutual must also provide you with a rental car for that period. In the event that your vehicle suffers a total loss, the insurer will reimburse the actual cash value of your car.
Sometimes, you may also be entitled to a reduction in the value of your vehicle. If you only have liability insurance with Liberty Mutual, physical damage to the rental vehicle will not be covered. However, the minimum state-mandated insurance offered by these cars may not be sufficient to protect you from the financial repercussions of an accident. 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. Contact a competent personal injury lawyer as soon as possible to discuss your right to compensation and learn more about how to deal with Liberty Mutual after an accident. Yes, Liberty Mutual insurance rates are competitive for certain drivers, including teens and college students. 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 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. It's not uncommon for Liberty Mutual insurance appraisers to try to resolve your car claim quickly while paying as little as possible. 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 are injured in a car accident and the other driver is insured through Liberty Mutual, you should contact an attorney before contacting the other driver's insurance company.
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. 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 don't have enough coverage through Liberty Mutual to cover your rental vehicle, you can take out insurance with your car rental company or see if your credit card company offers it.