But if you have a 230,000-mile Chevy Spark and rent a luxury SUV, you may be underinsured. Yes, Liberty Mutual offers car rental 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 only have liability insurance with Liberty Mutual, physical damage to the rental vehicle will not be covered.
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. 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. However, this can quickly get expensive, especially since liability insurance for the rental car is sold separately from other coverages. 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. 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 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 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. 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 your personal car is insured and you pay your rent with a credit card, you can probably skip the optional coverage offered at the rental counter. Liability insurance for rental vehicles does not protect you or your rental car against collision damage, car theft, loss of personal effects, or injuries.
If you don't have either type of coverage, you can take out personal accident insurance through the car rental 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.