Car Insurance Coverage

Helping you find the best coverage to fit your needs.

couple discussing car insurance coverage options
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 types 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 Rental Car Reimbursement3, 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-New Car ReplacementNew 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.1 Learn more about New Car Replacement.

+Better Car Replacement-Better Car ReplacementBetter 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.2 Learn more about Better Car Replacement.

+Rental Car Reimbursement-Rental Car ReimbursementRental Car Reimbursement
If you are ever in an accident, you can rely on our optional Rental Car Reimbursement 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 repair facility.3

+Deductible Fund-Deductible FundDeductible Fund
This optional policy add-on can help lower your collision deductible and reduce the money you pay out-of-pocket in the event of a claim. When you add the Deductible Fund to your policy, Liberty Mutual will immediately put $100 into the fund to get it started.

+Teachers Auto Insurance-Teachers Auto InsuranceTeachers 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.1 Learn more about Teachers Auto Insurance.
Standard Coverage1
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 LiabilityBodily Injury Liability
Bodily Injury Liability covers you in the event that you cause an auto accident in which another person (or people) is injured.

+Property Damage Liability-Property Damage LiabilityProperty Damage Liability
Property Damage Liability gives you 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 PaymentsMedical Payments
Medical Payments covers certain medical expenses if any vehicle occupants are injured in an accident.

+Collision Coverage-Collision CoverageCollision Coverage
Collision Coverage is an optional coverage that covers damage to your car caused by impact with another car or object.

+Comprehensive Coverage-Comprehensive CoverageComprehensive Coverage
Comprehensive 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 Optional coverage. When you choose to have your car repaired at a Liberty Mutual approved repair facility we will pay your rental costs for as long as it takes to fix your car. Coverage provided on the Optional Transportation Expenses Coverage endorsement. Subject to daily limit and not available in NY.
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