Better Car Replacement™
A better insurance policy that gets you a better car.
As much as we try to avoid them, accidents happen. Adding Better Car Replacement coverage to your Liberty Mutual Auto Insurance 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.
Replacing a car after a loss is already hard enough. Let us help you get a better one.
- A replacement car that's one model year newer and has 15,000 fewer miles.
- Peace of mind in avoiding the financial loss associated with owing more money on your car than it is worth.
- Not having to worry about potentially replacing your totaled car with an older model of lesser value.
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.
Better Car Replacement vs. New Car Replacement
While there are similarities between these two coverage options from Liberty Mutual, here are the specifics of each:
|Coverage Feature||Better Car Replacement||New Car Replacement|
|Optional coverage added to auto insurance policy|
|Previously insured car must be a total loss|
|Policy deductible applies|
|A replacement car is provided|
|Replacement is the same model year as totaled car|
|Replacement has 15,000 less miles than totaled car|
|Totaled car must be less than a year old|
|Totaled car must have less than 15,000 miles on it|
|Not available for leased cars and motorcycles|