Liberty Mutual is a leading global property and casualty insurer with a wide range of insurance products, including personal auto insurance. With over 100 years of experience in the industry, the company has earned its reputation as a reliable provider.

But what happens when you need to rent a car due to an accident or repair? Does auto insurance cover a rental during car repairs? In this article, we’ll explore Liberty Mutual’s policy on rental car coverage during the claims process.

Liberty Mutual’s Rental Car Reimbursement Coverage

Liberty Mutual provides rental reimbursement coverage as an optional addition to your policy, assisting with the expenses of renting a car while your vehicle undergoes repairs following a covered accident.

It’s important to note that this coverage only applies when Liberty Mutual pays for repairs under collision or comprehensive insurance.

Rental reimbursement coverage typically has no deductible, but there are limits on how much the insurer will pay per day and total per claim. These limits depend on your specific policy and the level of coverage you choose.

Benefits of Rental Car Reimbursement Coverage From Liberty Mutual

There are several benefits to adding rental car reimbursement coverage to your Liberty Mutual auto insurance policy:

• Avoiding inconvenience: If you rely on your car daily, being without it due to an accident can be very inconvenient. With rental reimbursement coverage, you won’t be left without transportation.
• Coverage for rental car fees: Depending on your policy limits, rental car fees will be covered up to a certain amount per day and total per claim.
• Easy reservation process: You can reserve a rental car through the Liberty Mutual mobile app or by calling its customer service line.
• Discounts from Enterprise Rent-A-Car: Liberty Mutual partners with Enterprise Rent-A-Car, providing additional discounts for customers who rent through this company.
• Claims Valet Service™: If your car is drivable following an accident, Liberty Mutual’s Claims Valet Service™ will bring a rental car to you and take your car to the repair shop.

Now that we’ve explored the benefits of rental car reimbursement coverage with Liberty Mutual, let’s look at the costs and limits associated with this optional policy.

Costs and Limits

The rental reimbursement coverage with Liberty Mutual typically ranges from $2 to $15 per month, depending on your coverage level. Coverage limits can be up to $90 per day for 30 days. Keep in mind that these costs and limits may vary by state.

What’s Not Included in Liberty Mutual’s Policy on Rental Car Coverage During the Claims Process

It’s important to understand what situations are not covered by rental car reimbursement coverage:

• Routine maintenance: This coverage does not apply to rental cars needed for routine maintenance or repairs unrelated to an accident.
• Rental cars for pleasure: If you rent a car for vacation or other non-accident-related reasons, rental reimbursement coverage will not apply. If renting a car for pleasure, there may be other ways to receive a car rental discount.
• Accidents where another driver is at fault: If another driver is responsible for the accident, their liability insurance will cover the cost of your rental car.

Understanding the limitations of rental car reimbursement coverage is crucial for making an informed decision about whether or not to include it in your Liberty Mutual auto insurance policy.

When Rental Car Reimbursement Coverage From Liberty Mutual Is Worth It

Rental car reimbursement coverage is worth considering if you will likely need a rental car due to an accident within the next few years. On average, customers file a rental reimbursement claim once every 10 years.

To evaluate the value of a potential policy, multiply its monthly cost by 120 (the number of payments between accidents) and compare it to the coverage limit. If the policy limit seems worthwhile, adding rental reimbursement coverage may be a good choice.

Alternatives to Liberty Mutual’s Rental Car Reimbursement Coverage

If you rarely need a rental or have alternate transportation options, you might want to consider alternatives.

For example, consider putting an equivalent amount into an emergency fund instead of purchasing rental reimbursement coverage. This way, you’ll have money set aside in case you need a rental car but won’t be paying for extra insurance coverage.

Other options include public transportation, rideshare services, or borrowing a vehicle from a friend or family member. Some repair shops also offer loaner vehicles, which may limit the need for a rental. All these are easy ways to save on your auto insurance.

The Bottom Line on Liberty Mutual’s Policy on Rental Car Coverage During the Claims Process

Liberty Mutual’s rental car reimbursement coverage can be a valuable addition to your auto insurance policy if you rely on your car daily and want to avoid the inconvenience of being without it during repairs.

With this optional add-on, you’ll enjoy coverage for rental car fees, easy reservations, discounts from Enterprise Rent-A-Car, and more.

However, if you have alternate transportation options or rarely need to rent a vehicle, consider alternatives like establishing an emergency fund. Explore our full Liberty Mutual auto insurance review to learn about their policy offerings.