Better Car Replacement™
A better insurance policy that gets you a better car.
What is Better Car Replacement?
Replacing a car after a loss is already hard enough. Let us help you get a better one. Adding Better Car Replacement coverage to your policy means that when your car is deemed a total loss, we'll give you the money for a replacement car that is one model year newer with 15,000 fewer miles than your current car.* For instance, if your old car was a 2014 model with 35,000 miles on it, Liberty Mutual will give you the money for a replacement 2015 model with 20,000 miles on it.
Better Car Replacement: Benefits
While there are similarities between these two coverage options from Liberty Mutual, here are the specifics of each:
Replacing a car after a loss is already hard enough. Let us help you get a better one. Adding Better Car Replacement coverage to your policy means that when your car is deemed a total loss, we'll give you the money for a replacement car that is one model year newer with 15,000 fewer miles than your current car.* For instance, if your old car was a 2014 model with 35,000 miles on it, Liberty Mutual will give you the money for a replacement 2015 model with 20,000 miles on it.
Better Car Replacement: Benefits
- A replacement car that’s one model year newer and has 15,000 fewer miles.
- Avoid owing more money on your totaled car than it is worth.
While there are similarities between these two coverage options from Liberty Mutual, here are the specifics of each:
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Coverage Feature
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Better Car Replacement
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New Car Replacement
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Optional coverage added to auto insurance policy
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Previously insured car must be a total loss
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Policy deductible applies
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A replacement car is provided
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Replacement is the same model year as totaled car
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Replacement is one model year newer than totaled car
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Replacement has 15,000 less miles than totaled car
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Totaled car must be less than a year old
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Totaled car must have less than 15,000 miles on it
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Not available for leased cars and motorcycles
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Coverage Feature
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Optional coverage added to auto insurance policy
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Better Car Replacement
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New Car Replacement
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Previously insured car must be a total loss
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Better Car Replacement
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New Car Replacement
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Policy deductible applies
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Better Car Replacement
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New Car Replacement
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A replacement car is provided
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Better Car Replacement
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New Car Replacement
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Replacement is the same model year as totaled car
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Better Car Replacement
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New Car Replacement
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Replacement is one model year newer than totaled car
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Better Car Replacement
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New Car Replacement
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Replacement has 15,000 less miles than totaled car
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Better Car Replacement
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New Car Replacement
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Totaled car must be less than a year old
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Better Car Replacement
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New Car Replacement
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Totaled car must have less than 15,000 miles on it
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Better Car Replacement
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New Car Replacement
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Not available for leased cars and motorcycles
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Better Car Replacement
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New Car Replacement
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What is Car Gap Insurance?
When your car is deemed a total loss and you owe more money than it's assessed to be worth, gap insurance will cover the remaining amount you owe. Gap insurance is generally an optional coverage that you can purchase at the same time as your car. It does not provide coverage for a newer car.
Better Car Replacement: A "Better Car" Gap Insurance
Better Car Replacement goes further than typical gap insurance because you receive payment for a replacement car that's one model year newer, with 15,000 fewer miles.
When your car is deemed a total loss and you owe more money than it's assessed to be worth, gap insurance will cover the remaining amount you owe. Gap insurance is generally an optional coverage that you can purchase at the same time as your car. It does not provide coverage for a newer car.
Better Car Replacement: A "Better Car" Gap Insurance
Better Car Replacement goes further than typical gap insurance because you receive payment for a replacement car that's one model year newer, with 15,000 fewer miles.
Get a Free Quote
Call 1-800-837-5254
*Optional coverage in some states; availability varies by state. Eligibility rules apply.