Rental car insurance coverage protects you while your vehicle is being repaired. Some credit cards also offer rental car insurance, although they usually only cover damage to the rental vehicle itself and not liability for bodily injury or property damage. By comparison, the insurance that a car rental company will sell you over the counter can easily cost twice as much.
Liberty Mutualdoesn't cover non-standard rental vehicles, including recreational vehicles, moving trucks, and motorcycles.
Generally, your health insurance will cover injuries that result from a car accident, and home or renters policies cover items stolen from a car. Liberty Mutual will cover the cost of renting a car if you have rental reimbursement coverage, assuming that your personal vehicle was involved in a covered loss. If you rent a car in Mexico, you can buy additional coverage from the Mexican car rental company or add coverage from Mexico to your Liberty Mutual policy. However, the minimum liability insurance offered by the car rental company isn't enough to protect you in the event of an accident.
Bonzah is the best third-party provider of rental car insurance because it's the only option that offers supplemental liability insurance. 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. Keep reading to find out everything you need to know about Liberty Mutual car rental insurance and how it works. If you plan to use your standard insurance policy or credit card as rental car insurance, be sure to read the small print or call your insurance company to make sure you're covered.
Before buying insurance from the rental company, you should consider what coverage you already have through your personal car insurance. Consequently, if you don't have a standard car insurance policy and rent a car in California without buying liability coverage from the car rental company or a third-party insurer, you'll be driving illegally without insurance. While each standard auto insurance company has its own criteria for covering rental cars, some situations are generally excluded.