Auto Insurance Coverage - Helping you find the best coverage to fit your needs - Not all car insurance is the same. Sure, there is a minimum level of coverage that all auto insurance companies offer – liability coverage for example - but there are also additional levels of coverage that you can include on your policy to add an extra level of protection.
Let's cut through the jargon and walk through some of the more popular coverage options.
Superior Protection
Liberty Mutual goes above and beyond to make sure you're protected. From coverage like New Car Replacement, which is included on all car insurance policies, to Unlimited Rental Coverage, which you can choose to add to your policy whenever you'd like, we want to make sure you're confident in the coverage you choose.
- New Car Replacement : It's said that a car starts depreciating the minute you drive off the lot. But with New Car Replacement, if your new car is totaled in the first year and within the first 15,000 miles, you'll get the money for a brand new car – not just the depreciated value.
- Better Car Replacement : Even if your car is no longer new, you can still treat it like it is. With this optional coverage, if your car is totaled we'll give you the money to replace it with a car that is one model year newer and has 15,000 fewer miles on it.
- Unlimited Rental Coverage : If you are ever in an accident, you can rely on our optional Unlimited Rental Coverage to pay your rental costs for as long as it takes to fix your car, when you choose to have your car repaired at a Liberty Mutual-approved direct repair facility.
- Teachers Auto Insurance : If you're a teacher, you can get additional coverage to protect your vehicle and any teaching tools inside the car whether they're personally owned or were bought by your school – as long as they're in the car for school-related business.
Standard Coverage
No two auto insurance policies are the same, but most policies will include some variation of the following standard coverage.
- Bodily Injury Liability: Bodily injury liability covers you in the event that you cause an accident in which another person (or people) is injured.
- Property Damage Liability: Coverage in case your car damages someone else's property - usually this means someone else's car, but it could be a fence, light post or other piece of property.
- Medical Payments: Medical Payments covers certain medical expenses if any vehicle occupants are injured in an accident.
- Collision Coverage: Collision coverage is an optional coverage that covers damage to your car caused by impact with another car or object.
- Comprehensive Coverage: Comprehensive car insurance coverage is also an optional coverage that covers damages to your car caused by something other than a collision - like theft, fire, etc.
1 The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.
2 Optional coverage, not available in all states. Applies to a total covered loss. Does not apply to leased vehicles or motorcycles. Deductible applies.
3 Daily limits apply. Not available in NY.