Rental car insurance coverage protects you while your vehicle is being repaired. The exact amount of the Liberty Mutual car rental discount depends on factors such as the type of car and the length of the rental period. 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.
When 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.
It may give you peace of mind to shell out car rental insurance and know that you won't pay more than that amount. Liberty Mutual determines auto insurance rates based on the likelihood that the driver will file a claim in the future. Remember that your Liberty Mutual car insurance will only cover up to the limit of your own vehicle's policy. That's why it's important to contact an attorney who knows how to deal with insurance companies after an accident and to have them contact Liberty Mutual on your behalf.
If you rent or rent vehicles frequently, but don't own a car, then non-homeowner auto insurance from Liberty Mutual is an affordable option. It's not uncommon for Liberty Mutual insurance appraisers to try to resolve your car claim quickly while paying as little as possible. It's also important to know that the rental coverage in your policy has nothing to do with the coverage of a rental car. Yes, Liberty Mutual covers renting a vehicle while the vehicle is in the shop for repair, but only if your car was damaged in an accident, you filed a claim that was approved and has rental reimbursement coverage.
After several years, he expanded his experience in insurance and obtained his license in health and also in AD&D insurance. This information may be different from what you see when you visit the website of an insurance provider, insurance agency, or insurance company. 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. The Liberty Mutual policy will be extended to rental vehicles, so you won't have to purchase additional coverage with the rental company unless you want higher limits or additional types of insurance.