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. 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. A popular coverage option is roadside assistance.
See Note 2.It can be useful if it has a breakdown and needs to be towed. Many drivers also add rental reimbursement. See note 3.It helps cover the cost of a rental car if your vehicle is in the workshop to be repaired after a covered loss. Depending on your insurance policy, your collision insurance may cover the same damage to the rental car that it would cover in your personal vehicle.
For example, if your car insurance policy only covers personal use and you rent a car for business, you won't get coverage. This is why separate rental car insurance is available. 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.
Drivers can save money on car insurance with full coverage by taking advantage of discounts and increasing deductibles. To compare quotes from different auto insurance companies, enter your zip code on this page to use the free quote tool. Note 1 The average monthly cost of auto insurance is based on the average monthly premium for policies issued by the USAA for the states on the list. 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.
If another driver caused the accident, your car insurance must provide a rental car while yours is being repaired. If you didn't do anything 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. Full-coverage car insurance is more expensive than liability coverage because it offers more protection. Knowing what is and isn't covered by collision insurance can help you understand if you need this optional insurance coverage.