Better Car Replacement™

A better insurance policy that gets you a better car.

Liberty Mutual
What is Better Car Replacement?
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.

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The Benefits of Adding Better Car Replacement

  • 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 insurance coverages offered by Liberty Mutual, here are the specifics of each:
Coverage FeatureBetter Car ReplacementNew Car Replacement
Standard coverage within auto insurance policy
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

Experience the standard benefits of New Car Replacement within your auto insurance policy by starting with a free quote.

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* Optional coverage. Applies to a covered total loss. Deductible applies. Does not apply to leased vehicles and motorcycles. Not available in NC.
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