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. Liberty Mutual liability insurance generally extends to your rental while driving in the U.S. UU.
Liberty Mutual car insurance rates are based on your driving record and experience, as well as factors such as the type of car you drive, your zip code, your insurance history, and more. 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 you rent cars frequently, it might be more efficient to purchase liability insurance for rental vehicles from another source. 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 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. Two claims in one year can significantly increase your insurance rates, so you may want to exercise caution and purchase insurance. 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. Some credit cards, including many travel rewards cards, offer car rental insurance if you use the card to pay.
However, this can quickly get expensive, especially since liability insurance for the rental car is sold separately from other coverages. 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. Remember that your Liberty Mutual car insurance will only cover up to the limit of your own vehicle's policy.